Use of Funds Report · ital is, at mo es by 10 perc tween 2 perc er, the rate half years, t cess to...

AApril 2012

Repoort to Con

Usngress sub

se of bmitted p

of

f Fundpursuantthe Smal

ds Ret to Sectioll Busines

eporon 4106(3ss Jobs Ac

t3)ct

OVERVIE Small busthe econoLending Fcommunitof the SBLand prom

This reporDecembechanges inbusiness lrefinance As of Decetheir sma

• In t$36

• Incrpar

• A susma

As of Decemore than

• SBLbas

• SBLcom

• SBLperpar

1 In this repwith consol2 In this repsection of thof the amousmall busineinclude lend

EW

inesses are a omic recoveryund (SBLF) is ty developmeLF is to encoumote economi

rt provides inr 31, 2011, ren business lenlending by thed into the pro

ember 31, 20ll business len

total, SBLF pa6.0 billion bas

reases in smarticipants hav

ubstantial maall business le

ember 31, 20n a compariso

LF banks haveseline levels,

LF banks havemparison gro

LF banks thatrcent since thrticipants hav

ort, the terms “bidated assets of ort, the terms “shis report. As esunts that were reess lending by suding information

vital part of ty. Establisheda dedicated fent loan fundurage Main Stc growth in c

nformation onelative to basending and othese banks, a gogram from T

011, institutionding, helping

articipants haseline, and by

all business leving increased

ajority of SBLending by 10

011, the 281 bon group of n

e increased bversus a 1.1

e increased bup of non‐SB

refinanced Cheir initial recve increased t

banks” and “comless than $10 bismall business letablished in the eported for eachubmitting quarten as of Decembe

the Americand by the Smalfund designeds (CDLFs) in otreet banks anommunities a

n changes in seline levels. 2

her lending bygroup of non‐Treasury’s Cap

ons participatig to support s

ave increasedy $1.3 billion

ending are wd their small

LF participant0 percent or m

banks participnon‐SBLF ban

business loanspercent med

business lendBLF banks acro

CPP funding hceipt of CPP ftheir busines

mmunity banks” illion. ending” and “buAct, the baselinh of the four caleerly supplementr 31, 2011.

1

n economy anll Business Jod to provide order to encond small busiacross the na

small busines Additionallyy SBLF banks,‐SBLF banks, pital Purchase

ing in SBLF hasmall busines

d their small b over the prio

widespread acbusiness len

ts — more thmore.

pating in SBLFks.

s outstandingian increase

ing by substaoss median m

have increaseunding from ss lending by

encompass ban

siness lending” e for measuringendar quarters etal reports to Tre

nd their succebs Act of 201capital to quaourage small bnesses to woation.

ss lending by Sy, this report p, including a cand the subse Program (C

ave made impsses and loca

business lendor quarter.

cross SBLF pading over bas

han 68 percen

F have increas

g by a mediafor the group

antially greatmeasures of s

ed business leTreasury. Ov$5.8 billion.

nks, thrifts, and b

are defined in thg the change in sended June 30, 2easury. The mo

ess is a critica10 (the Act), talified commbusiness lendrk together, h

SBLF participaprovides infocomparison oset of SBLF baCPP).

portant progrl economies a

ding by $4.8 b

rticipants, wseline levels.

nt — have inc

sed their bus

n of 21.5 perp of non‐SBLF

er amounts tsize, geograp

ending by a mver that perio

bank and thrift h

he “Backgroundsmall business le2010. Participanst recent supple

l componenthe Small Busiunity banks1 ding. The purhelp create jo

ants as of rmation on of increases inanks that

ress in increaacross the na

billion over a

ith 84 percen.

creased their

iness lending

rcent over F banks.

than the hy, and loan

median of 20od, these

holding compan

d & Methodologyending is the avents report changemental reports

of iness and pose obs,

n

sing tion.

nt of

r

g

type.

.2

ies

y” erage ges in

BACKGR

This reporof the Treprogram h Treasury iinvestmeninstitutionbanks occprogram’s The SBLF CDLFs wit

• Fordiviperor mandincrrate

• Forcapcomactsma

DefinitionThe Act dbusinessecommercto financeSBLF progrelating tohas been Changes iIn this reploans outs

3The initial itheir small bafter‐tax eff

ROUND & M

rt is submitteeasury to provhave used the

invested overnts of $3.9 bins operate in curred on Juns September

program encth less than $

r community bidend or interrcent, and themore. 3 Banksd 4 percent. Ireases to 7 pee increases to

r CDLFs, the Spital at a 2 pemmunities acrivities rangingall businesses

n of Small Buefines “small es with $50 mial and induste agricultural gram terms pro net charge‐assumed by t

in Small Businport, changesstanding as o

interest rate paibusiness lendingfective rates (ass

METHODOL

ed to Congresvide a quartee funds they r

r $4.0 billion llion in 281 coover 3,000 loe 21, 2011, w27, 2011 stat

ourages lend10 billion in a

banks, the SBrest rate incee rate falls to s that increasIf a bank’s lenercent. If a bo 9 percent.

BLF is structurcent interestross the coung from offerins, and financi

siness Lendinbusiness len

million or less trial loans, (ii)production arovide for addoffs and portthird parties,

ness Lending in small busif December 3

d by S corporatig by 10 percent osuming a 35% ta

LOGY

s pursuant torly written rereceived und

in 332 instituommunity baocations acrowith subsequetutory funding

ing to small bassets.

BLF is structurentive structu1 percent if ase their lendinnding does noank has not r

ured to encout rate. These ntry that lack ng microloansng communit

ng ding” as businin revenue an) owner‐occuand other loanditional adjustions of loans as well as me

ness lending 31, 2011, and

ons and mutual or more, then thax rate) equivale

2

o Section 410eport on how er the progra

tions throughanks and $104ss 48 states. ent transactiog deadline.

businesses by

red to encourre. The initiaa bank’s smalng by less thaot increase in repaid the SB

urage small bunon‐profit loaccess to mas to entreprety facilities lik

ness loans thnd (b) includepied nonfarmns to farmersstments to thguaranteed bergers and ac

are calculated the baseline

institutions is, ahe rate falls to asent to the divide

6(3) of the Acinstitutions pam.

h the SBLF pro4 million in 51The initial dions complete

y providing ca

rage small bual rate payabll business lenan 10 percentthe first twoLF funding aft

usiness lendinan funds playinstream finaneurs, providke charter sch

at are (a) $10ed in one of thm, nonresidens, and (iv) loane calculation by the U.S. gocquisitions an

ed as the diffee amount. Pa

at most, 7.7 percs low as 1.5 percnd rate paid by

ct, which direparticipating

ogram. Thes1 CDLFs. Collsbursement od thereafter

apital to comm

siness lendine on SBLF capnding increaset pay rates be years, howevfter four and a

ng through acy a critical rolancial serviceding mezzaninhools and hea

0 million or lehe following cntial real estans secured by of small busiovernment ord purchases o

erence betwerticipants rep

cent. If these inscent. These inteC corporation p

ects the Secrein the SBLF

e amounts inectively, thesof SBLF fundiuntil the

munity banks

g through a pital is, at moes by 10 percetween 2 percver, the rate a half years, t

ccess to low‐ce in distresses. CDLFs engane debt to groalth clinics.

ess in amountcategories: (iate loans, (iii) y farmland. Tiness lending r for which risof loans.

een the level oport changes

stitutions increarest rates equatarticipants.

etary

nclude se ng to

and

ost, 5 cent cent

the

cost ed age in owing

t to ) loans The

sk

of in

se te to

small bussuppleme DefinitionIn contrasreference$10 millioused in SB

Changes iThis repornon‐SBLF in businescalendar qbetween t Because ncomparesparticipandefined b Non‐SBLFIn describSBLF fundcomprisedSeptembeSBLF bankfunding), SBLF bank While thebanks, thedistributiocharacter

4 Insured deFinancial Redata on the from call re

iness lendingental report in

n of Business st to small bued in the definon and loans tBLF’s calculat

in Business Lert describes cbanks relativss lending is cquarters endethe level of lo

non‐SBLF parts business lennts qualifies ay the program

F Bank Compabing changes iding to a comd of the 6,522er 30, 2009, hks) as of Marcand are locatks are headqu

e comparison e selection cron of SBLF baistics, among

epository instituteport (collectivellending of an inports filed for th

by submittinncludes lendin

Lending siness lendinnition of smalto businessesion of small b

ending changes in “buve to baselinecalculated as ted June 30, 2oans outstand

ticipants do nnding as definas “small busim terms) tota

arison Groupin business leparison group2 non‐SBLF inhad total assech 31, 2011 (wted in one of uartered.

group includriteria for the nks. The comg other factor

tions are requirely, “call reports”nsured depositorhe quarter endin

ng quarterly sng informatio

g, “business lll business lens with $50 milbusiness lend

usiness lendine levels.4 Excethe average o010. Changeding as of Dec

not report smed herein. Mness lending.aled 95.0 perc

ending, this rep across mednsured deposiets between $which is the ethe jurisdictio

es banks thatgroup does n

mparison grous.

ed each quarter ”), as applicable. ry institution. Inng December 31,

3

upplemental on as of Dece

lending” refending withoutllion in revening.

ng” by bank pept where noof the amounes in business cember 31, 2

all business leMost “busines” As of Dececent of busine

eport comparian measuresitory instituti$7.0 million anend of the firsons (44 states

t share the afnot imply thatup may have

to file a Consoli Among other f

nformation in th, 2011.

reports to Trmber 31, 201

rs to the samt exclusions fue, and witho

participants aoted, the basents that werelending are c011, and the

ending as defss lending” rember 31, 201ess lending fo

res the group s of loan growons that werend $6.4 billiost quarter prios and the Dist

forementionet it matches tdifferent fina

idated Report offinancial informais report regard

reasury. The 11.

me four categofor loans to bout the addit

and by a compeline measurereported for calculated as baseline amo

fined by the Aported by SB11, small busior the median

of 281 bankswth. The come establishedn (the range or to SBLF batrict of Colum

ed characteristhe size or geancial and sup

f Condition and ation, quarterly ing business len

most recent

ories of loansusinesses oveional adjustm

parison groupement for chaeach of the fthe differencount.

Act, this repoLF bank iness lending n SBLF bank.

s that receivemparison groud prior to of total assetanks receivingmbia) in which

stics with SBLographic pervisory

Income or Thriftcall reports including was retriev

er ments

p of anges four ce

rt

(as

ed up is

ts for g h

LF

t ude ved

INCREAS

As of Deceover theirbillion (orby $95.4 maggregate2011.

Increases participattheir smapercent oTwenty‐foquarter of The chartreporting interest rabanks and

SES IN SMA

ember 31, 20r aggregate br 13.4 percentmillion (or 12e increase in q

Incre

in small busiting communill business lenof participantsour additionaf 2011.

on the followlending in thates payable d CDLFs partic

$0

$1

$2

$3

$4

$5

$6

Increase in

Small B

usiness Lending

over Baselin

e Level ($ in

Billions)

ALL BUSINE

011, SBLF partaseline. Bankt) over a $35.2.1 percent) oqualified sma

ase in Small B

ness lending ity banks (or 8nding. In adds — have nowl institutions

wing page shoe five ranges on SBLF secucipating in SB

$2

0

1

2

3

4

5

6

2Q

SS LENDING

ticipants havek participants2 billion base

over a $786.8 ll business le

Business Lend(Report

are widespre84 percent) adition, a substw increased thhave now inc

ows quarter‐oof small busirities. InstituBLF is attached

2.8

2011

4

G OVER BA

e increased ths have increaseline, and CDLmillion baselnding reporte

ding over Based as of 4Q 20

ead among SBand 43 of the tantial majoriheir small buscreased lendi

over‐quarter iness loan groution‐specific d to this repo

$3.5

3Q 2011

ASELINE LEV

heir small bussed their smaLFs increasedine. The folloed by SBLF pa

seline by SBL011)

BLF participan51 CDLFs (ority of SBLF pasiness lendingng by more t

changes in thowth that correporting of

ort.

1

VELS

siness lendingall business led their small bowing table sarticipants as

LF Participant

nts. To date, r 84 percent) articipants — g by 10 percethan 10 perce

he number ofrrespond to vsmall busines

$4.8

4Q 2011

g by $4.8 billiending by $4.7business lendhows the of Decembe

ts

235 of the 28have increasemore than 68

ent or more. ent in the fou

f participantsvarious dividess lending by

+1.3bn

on 7 ing

r 31,

81 ed 8

rth

nd or

SBLF Partticipants Repo(

orting Increa(Reported as o

5

ases in Small Bof 3Q 2011 and

Business Lendd 4Q 2011)

ding over Basseline

COMPA

SBLF bankbanks acrincrease ishows a m Overall InComparinincreasedcomparisoother typepercent a The followcompariso

DistributiA substansignificantincreasednon‐SBLF of the SBL

5 This compparticipants

RISON OF L

ks have increaoss median mn other (non‐median decre

ncreases in Bung the level of business lenon group of nes of lending mong the gro

wing graph shon group of n

on of Increasntially greatert increases in their businesbanks. 47.7 LF banks.

arative informats’ small business

LENDING BY

ased businessmeasures of s‐business relaase in such le

usiness Lendif loans outstading by a menon‐SBLF banby a median oup of non‐SB

hows increasenon‐SBLF ban

Increase

ses in Businesr percentage o business lenss lending by percent of th

tion is provided s lending and wil

Y SBLF BAN

s lending by gize, geographated) types ofending.

ing and Otheanding as of Ddian of 21.5 pks. In additionof 9.5 percenBLF banks.

es in businessks.

es in Busines (Report

ss Lending of SBLF banksding. In tota10 percent o

he non‐SBLF b

in addition to thll be updated pe

6

NKS AND NO

greater amouhy, and loan tf lending, whi

r Lending December 31,percent, versn to increasinnt over baseli

s lending and

ss Lending anted as of 4Q 20

s than the coml, 69.4 percenor more versubanks have re

he program’s staeriodically.

ON‐SBLF BA

nts than the type. SBLF baile the compa

, 2011 to theius a 1.1 perceng business lene levels, ver

other lending

d Other Lend011)

mparison gront of banks paus 33.5 perceneduced busine

atutorily require

ANKS5

comparison ganks also repoarison group

ir baseline levent median inending, SBLF brsus a median

g by SBLF ban

ding

oup of non‐SBarticipating innt for the comess lending ve

ed historical repo

group of non‐ort a median of non‐SBLF b

vels, SBLF banncrease for thbanks increasn decrease of

nks and the

BLF banks repn SBLF have mparison grouersus 16.8 pe

orting on change

‐SBLF

banks

nks he sed f 3.9

port

up of rcent

es in

SBLF bankproportioincreasedcomparisostandard IncreasesIn each rethe complending by

6 The standadeviations ibanks are d7 In this repDakota, OhiHampshire, Columbia, FTexas, VirginWashington

ks increased bn of institutio business lenon group of ndeviation of 1

in Business Legion7 of the carison group y SBLF banks

ard deviation is andicate that theistributed over aort, the Midwesio, South DakotaNew Jersey, Ne

Florida, Georgia, nia, and West Vin, and Wyoming

0%

5%

10%

15%

20%

25%

30%

35%Population of Ban

ks (%)

Distr

business lendons reportingding by a menon‐SBLF ban195.7.

Lending by Recountry, SBLFof non‐SBLF with the com

a measure of the percentage inca large range of st Region includea, and Wisconsinw York, and PenKentucky, Louisirginia. The Wes.

7.5%

28.0%

10.0% orGreaterDecrease

Cha

ribution of Ch (Report

ing to a greatg increases, asan of 41.7 peks increased

egional GeogF banks reporbanks. The fo

mparison grou

e variation of dareases in businevalues and not ces: Illinois, Indiann. The Northeasnnsylvania. The siana, Maryland,st Region includ

9.3%

13

19.7%

0.1% to9.9%

Decrease

ange in Busine

SBLF Banks

7

hanges in Busted as of 4Q 20

ter extent thas well as the percent with a business lend

graphy rted greater mollowing grapup of non‐SBL

ata points from tess lending by SBconcentrated arna, Iowa, Kansast Region includeSouth Region in, Mississippi, Noes: Arizona, Cali

3.9%

1818.7%

0.0% to9.9%

Increase

101In

ess Lending ove

s N

siness Lending011)

an non‐SBLF bpercentage instandard devding by a mea

median increaph compares LF banks acro

their mean. In tBLF banks and thround the mean.s, Michigan, Mines: Connecticut, ncludes: Alabamaorth Carolina, Okfornia, Colorado

.5% 18.9

12.4%

0.0% to19.9%ncrease

20.39Inc

er Baseline Lev

Non‐SBLF Bank

g

banks, measuncreases repoviation of 130an of 14.8 per

ases in businemedian incress four region

these results, thehe comparison g. nnesota, MissouMaine, Massacha, Arkansas, Delklahoma, South Co, Idaho, Monta

9%

32.0%

11.3%

0% to9.9%rease

40.0%GreaIncre

vels (%)

ks

ured by the orted. SBLF b0.3.6 The rcent with a

ess lending theases in businns.

e large standardgroup of non‐SBL

ri, Nebraska, Nohusetts, New aware, District oCarolina, Tennesna, Nevada, Uta

%

9.8%

% oraterease

banks

han ness

d LF

orth

of ssee, ah,

IncreasesAcross all increases comparesbanks acr

8 In this repMarch 31, 2

in Business Lranges of insin business les median incross four cate

ort, institution s2011, the quarte

Increase i

Lending by Institution size aending than teases in busingories of inst

Increas

size (including ther immediately p

in Business Le (Report

nstitution Sizeas defined bythe comparisoness lending itution size.

se in Business(Report

he size ranges in prior to Treasury

8

ending by Reted as of 4Q 20

e y total assets,on group of nby SBLF bank

s Lending by Ied as of 4Q 20

this graph) are y’s first SBLF inve

egional Geogr011)

SBLF banks rnon‐SBLF banks and the com

Institution Si011)

based on the toestment.

raphy

reported greaks. The followmparison gro

ize8

tal assets report

ater median wing graph up of non‐SB

ted by banks as

BLF

of

IncreasesAcross eamedian ingraph comSBLF bank

LENDING

The Act ainvestmenclosing. Toutstandi Lending InBanks thamedian inalso repor SBLF banksince theibusiness lgroup of nreporting increased

in Business Lch of the founcreases in bumpares mediaks across the

G BY FORM

uthorized Trents into SBLF.These banks rng CPP balan

ncreases by Iat received CPncrease in busrted a median

ks that refinar initial receiplending has innon‐SBLF bandate followin business len

Lending by Lor loan categousiness lendinan increases ifour categori

Increa

MER CAPITA

easury to allow. In total, 137eceived $2.7 ces.

nstitutions thPP funding ansiness lendingn increase fro

nced CPP funpt of CPP funncreased by anks reported ang the CPP cloding by a me

oan Categoryories that comng than the con business lees of busines

se in Busines(Report

AL PURCHAS

w CPP partici7 institutions billion in SBL

hat Refinancend refinanced g following reom the SBLF b

ding reportedding from Trea median of 1a median incrosings. Sincedian of 1.1 pe

9

y mprise businesomparison grnding by SBLss loans.

ss Lending by ed as of 4Q 20

SE PROGRA

pants that mrepaid a CPPLF funding and

ed CPP Investthese investm

eceipt of the ibaseline perio

d a median ineasury. These2.5 percent srease in busin the baselineercent, as pre

ss lending, SBroup of non‐SF banks and t

y Loan Catego011)

AM (CPP) PA

et certain req investment id used $2.2 b

tments ments througinitial CPP invod.

ncrease in buse participantssince the baseness lending o period, the ceviously note

BLF banks repSBLF banks. Tthe comparis

ory

ARTICIPAN

quirements toin connectionbillion of this

gh SBLF reporvestments. T

siness lendings also reporteeline period. of 5.5 percencomparison gd.

ported greateThe following on group of n

NTS

o refinance Cn with an SBLcapital to rep

rted a significhese instituti

g of 20.2 perced that their The comparit since the group has

r

non‐

CPP F pay

cant ons

cent

son

Dividend Institutiononly if thethat refinwhereas o

ATTACH

InstitutionSBLF bank

9 For the 13the first reprefinance pacomparison10 These figu

Incre

Rates Payabns that refinaey increase thanced CPP caother bank pa

HMENTS

n‐specific repks is attached

7 CPP refinanceporting date aftearticipant receiv group of 6,522 ures are adjuste

0

5

10

15

20

25

30Median In

crease in

Business Lending

over Initial Levels (%)

ease in Busin

le by Institutnce capital frheir small busapital pay an aarticipants pa

porting for smd.

participants, ther each participaved this capital dnon‐SBLF banksd to account for

2

0%

5%

0%

5%

0%

5%

0%

Increase Initia

CPP

ness Lending F(Report

ions that Refrom CPP benesiness lendingaverage dividay an average

mall business l

e median increant received its induring the first qs is measured fror differences in t

20.2%

5.5

in Business Lenal Treasury Inves

P Refinance Part

10

Following Inied as of 4Q 20

financed CPP efit from the g over baselinend (or intere rate of 2.0 p

ending by SB

ase in business lenitial CPP capitauarter of 2009, om March 31, 20the rates paid by

%

nding Sincestment

ticipants

itial Treasury011)

Investmentsdividend ratene levels. As oest rate) of 2percent.10

BLF participan

ending reflectedl to December 3the median incr009 to Decembey subchapter S c

12.5%

Increase in BSince

Non‐SBLF Bank

y Investment9

s e incentive prof December .9 percent on

nts and busine

d in the first colu31, 2011. Becaurease in businesser 31, 2011 for tcorporations and

1.1%

Business Lendinge Baseline

ks

9

rovided in SBL31, 2011, ban SBLF fundin

ess lending by

umn is measuredse the median Cs lending for thehis calculation.d mutual institut

g

LF nks g,

y

d from CPP e

tions.

Community Banks Participating in SBLFReport on Information from 12/31/2011 Quarterly Supplemental Reports transmitted with April 2012 Use of Funds Report

Name City State Baseline Level Current LevelIncrease (Decrease)

over Baseline

% Change over

BaselineResulting Rate

Insight Bank Columbus OH 4,250,000 16,410,000 29,579,000 13,169,000 80.2% 1.00%

ServisFirst Bancshares, Inc. Birmingham AL 40,000,000 649,858,000 957,370,000 307,512,000 47.3% 1.00%

Cache Valley Banking Company Logan UT 11,670,000 147,674,000 200,359,000 52,685,000 35.7% 1.00%

GrandSouth Bancorporation Greenville SC 15,422,000 92,718,000 110,417,000 17,699,000 19.1% 1.00%

BMC Bancshares, Inc. Dallas TX 1,206,000 8,021,000 10,957,000 2,936,000 36.6% 1.50%

Heritage Bankshares, Inc. Norfolk VA 7,800,000 69,854,000 78,180,000 8,326,000 11.9% 1.00%

California Bank of Commerce Lafayette CA 11,000,000 73,565,000 123,013,000 49,448,000 67.2% 1.00%

Broward Financial Holdings, Inc. Fort Lauderdale FL 3,134,000 14,233,000 31,491,000 17,258,000 121.3% 1.00%

UBT Bancshares, Inc. Marysville KS 16,500,000 150,701,000 189,802,000 39,101,000 25.9% 1.00%

Virginia Heritage Bank Fairfax VA 15,300,000 87,210,000 103,703,000 16,493,000 18.9% 1.00%

Security Business Bancorp San Diego CA 8,944,500 57,964,000 81,108,000 23,144,000 39.9% 1.00%

Catskill Hudson Bancorp, Inc. Rock Hill NY 9,681,000 98,522,000 122,103,000 23,581,000 23.9% 1.00%

Financial Security Corporation Basin WY 5,000,000 67,715,000 83,278,000 15,563,000 23.0% 1.00%

U&I Financial Corp Lynnwood WA 5,500,000 39,884,000 54,930,000 15,046,000 37.7% 1.00%

BOH Holdings, Inc. Houston TX 23,938,350 191,161,000 269,357,000 78,196,000 40.9% 1.00%

Tri‐County Financial Corporation Waldorf MD 20,000,000 244,812,000 287,275,000 42,463,000 17.3% 1.00%

Sovereign Bancshares, Inc. Dallas TX 24,500,000 177,827,000 185,126,000 7,299,000 4.1% 4.70%

Greater Rochester Bancorp, Inc. Rochester NY 7,000,000 57,322,000 85,146,000 27,824,000 48.5% 1.00%

Medallion Bank Salt Lake City UT 26,303,000 229,336,000 351,877,000 122,541,000 53.4% 1.00%

Evolve Bancorp, Inc. Cordova TN 4,699,000 19,101,000 41,417,000 22,316,000 116.8% 1.00%

First Menasha Bancshares, Inc. Neenah WI 10,000,000 67,578,000 75,367,000 7,789,000 11.5% 1.88%

Western Alliance Bancorporation Phoenix AZ 141,000,000 1,514,272,000 1,602,916,000 88,644,000 5.9% 3.74%

The Private Bank of California Los Angeles CA 10,000,000 69,125,000 121,522,000 52,397,000 75.8% 1.00%

BNC Financial Group, Inc. New Canaan CT 10,980,000 28,259,000 89,413,000 61,154,000 216.4% 1.00%

Veritex Holdings, Inc. Dallas TX 8,000,000 100,525,000 134,380,000 33,855,000 33.7% 1.00%

Crestmark Bancorp, Inc. Troy MI 8,250,000 160,895,000 289,536,000 128,641,000 80.0% 1.00%

The Bank of Santa Barbara Santa Barbara CA 1,882,380 22,776,000 44,265,000 21,489,000 94.3% 1.00%

Magna Bank Memphis TN 18,350,000 48,619,000 66,724,000 18,105,000 37.2% 1.05%

Avenue Financial Holdings, Inc. Nashville TN 18,950,000 74,788,000 110,131,000 35,343,000 47.3% 1.00%

FCB Bancorp, Inc. Louisville KY 9,759,000 78,649,000 82,162,000 3,513,000 4.5% 4.64%

Florida Traditions Bank Dade City FL 8,800,000 61,282,000 104,990,000 43,708,000 71.3% 1.00%

Bank of Commerce Holdings Redding CA 20,000,000 200,059,000 206,914,000 6,855,000 3.4% 4.66%

Redwood Financial, Inc. Redwood Falls MN 6,425,000 42,281,000 46,675,000 4,394,000 10.4% 2.26%

Columbine Capital Corp. Buena Vista CO 6,050,000 39,448,000 67,269,000 27,821,000 70.5% 1.00%

Peoples Bancorp Lynden / Bellingham WA 18,000,000 279,067,000 295,777,000 16,710,000 6.0% 3.14%

The Victory Bancorp, Inc. Limerick PA 3,431,000 24,103,000 42,368,000 18,265,000 75.8% 1.00%

Qualified Small Business Lending as of 12/31/2011Institution SBLF Funding

Outstanding

Page 1 of 9


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Outstanding

Encore Bancshares, Inc. Houston TX 32,914,000 186,480,000 243,779,000 57,299,000 30.7% 1.00%

Florida Business BancGroup, Inc. Tampa FL 15,360,000 98,486,000 118,257,000 19,771,000 20.1% 1.00%

Leader Bancorp, Inc. Arlington MA 12,852,000 30,398,000 53,383,000 22,985,000 75.6% 1.00%

Howard Bancorp, Inc. Ellicott City MD 12,562,000 120,456,000 113,950,000 (6,506,000) ‐5.4% 5.00%

Horizon Bancorp Michigan City IN 12,500,000 153,661,000 166,675,000 13,014,000 8.5% 2.00%

Franklin Security Bancorp, Inc. Plains PA 6,955,000 24,504,000 27,910,000 3,406,000 13.9% 3.04%

Birmingham Bloomfield Bancshares, Inc. Birmingham MI 4,621,000 33,793,000 39,794,000 6,001,000 17.8% 1.00%

Team Capital Bank Bethlehem PA 22,412,000 122,089,000 154,524,000 32,435,000 26.6% 1.00%

LCA Bank Corporation Park City UT 2,727,000 14,000 214,000 200,000 1428.6% 4.71%

Katahdin Bankshares Corp. Houlton ME 11,000,000 135,619,000 150,613,000 14,994,000 11.1% 1.00%

TowneBank Suffolk VA 76,458,000 814,570,000 883,803,000 69,233,000 8.5% 2.28%

Premara Financial, Inc. Charlotte NC 6,238,000 51,102,000 51,000,000 (102,000) ‐0.2% 5.00%

Centric Financial Corporation Harrisburg PA 7,492,000 50,832,000 58,883,000 8,051,000 15.8% 1.00%

Community Valley Bank El Centro CA 2,400,000 13,645,000 24,663,000 11,018,000 80.7% 1.00%

FNB Bancorp South San Francisco CA 12,600,000 139,556,000 112,888,000 (26,668,000) ‐19.1% 5.00%

Eagle Bancorp, Inc. Bethesda MD 56,600,000 413,505,000 597,308,000 183,803,000 44.5% 1.00%

Meadows Bank Las Vegas NV 8,500,000 47,672,000 93,577,000 45,905,000 96.3% 1.00%

Community Trust Financial Corporation Ruston LA 48,260,000 349,389,000 581,435,000 232,046,000 66.4% 1.00%

Community Bank Shares of Indiana, Inc. New Albany IN 28,000,000 184,263,000 198,520,000 14,257,000 7.7% 3.47%

Jefferson Bank of Florida Oldsmar FL 3,367,000 13,891,000 22,336,000 8,445,000 60.8% 1.00%

York Traditions Bank York PA 5,115,000 77,320,000 76,689,000 (631,000) ‐0.8% 5.00%

MileStone Bank Doylestown PA 5,100,000 46,778,000 69,119,000 22,341,000 47.8% 1.00%

Community Illinois Corporation Rock Falls IL 4,500,000 78,909,000 83,514,000 4,605,000 5.8% 3.00%

Partners Bank of California Mission Viejo CA 2,463,000 54,729,000 65,831,000 11,102,000 20.3% 1.00%

First Bankers Trustshares, Inc. Quincy IL 10,000,000 141,640,000 175,710,000 34,070,000 24.1% 1.00%

Tri‐County Financial Group, Inc. Mendota IL 20,000,000 140,369,000 166,255,000 25,886,000 18.4% 1.00%

Redwood Capital Bancorp Eureka CA 7,310,000 46,088,000 50,853,000 4,765,000 10.3% 2.39%

Centrix Bank & Trust Bedford NH 24,500,000 234,642,000 294,265,000 59,623,000 25.4% 1.00%

Liberty Financial Services, Inc. Sioux City IA 7,000,000 63,107,000 74,058,000 10,951,000 17.4% 1.00%

First Resource Bank Exton PA 5,083,000 33,001,000 35,264,000 2,263,000 6.9% 4.11%

Penn Liberty Financial Corp. Wayne PA 20,000,000 131,843,000 149,325,000 17,482,000 13.3% 1.50%

Liberty Bancorp, Inc. Liberty MO 16,169,000 81,757,000 91,969,000 10,212,000 12.5% 2.47%

Highlands Bancorp, Inc. Vernon NJ 6,853,000 33,999,000 53,161,000 19,162,000 56.4% 1.00%

Community First Bancshares, Inc. Union City TN 30,852,000 298,741,000 258,248,000 (40,493,000) ‐13.6% 5.00%

1st Enterprise Bank Los Angeles CA 16,400,000 88,154,000 173,173,000 85,019,000 96.4% 1.00%

FineMark Holdings, Inc. Fort Myers FL 5,665,000 25,709,000 52,764,000 27,055,000 105.2% 1.00%

Mercantile Capital Corporation Boston MA 7,000,000 97,614,000 124,106,000 26,492,000 27.1% 1.00%

WashingtonFirst Bankshares, Inc. Reston VA 17,796,000 112,615,000 161,759,000 49,144,000 43.6% 1.00%

Puget Sound Bank Bellevue WA 9,886,000 80,816,000 108,740,000 27,924,000 34.6% 1.00%

Regent Capital Corporation Nowata OK 3,350,000 46,333,000 55,326,000 8,993,000 19.4% 1.00%

Providence Bank Rocky Mount NC 4,250,000 28,879,000 33,977,000 5,098,000 17.7% 1.00%

Hopewell Valley Community Bank Pennington NJ 11,000,000 92,334,000 104,641,000 12,307,000 13.3% 1.00%

Page 2 of 9


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Outstanding

The ANB Corporation Terrell TX 37,000,000 402,694,000 396,270,000 (6,424,000) ‐1.6% 5.00%

BancIndependent, Incorporated Sheffield AL 30,000,000 241,790,000 263,743,000 21,953,000 9.1% 2.80%

Freedom Bancshares, Inc. Overland Park KS 4,000,000 29,355,000 35,239,000 5,884,000 20.0% 1.00%

Citizens South Banking Corporation Gastonia NC 20,500,000 118,154,000 137,004,000 18,850,000 16.0% 1.32%

Phoenix Bancorp, Inc. Minersville PA 3,500,000 23,742,000 29,539,000 5,797,000 24.4% 1.00%

QCR Holdings, Inc. Moline IL 40,090,000 435,912,000 368,326,000 (67,586,000) ‐15.5% 5.00%

Heartland Financial USA, Inc. Dubuque IA 81,698,000 923,037,000 940,315,000 17,278,000 1.9% 5.00%

Farmers State Bankshares, Inc. Holton KS 700,000 12,762,000 13,437,000 675,000 5.3% 3.07%

Merchants & Planters Bancshares, Inc. Bolivar TN 2,000,000 16,411,000 26,456,000 10,045,000 61.2% 1.00%

Nicolet Bankshares, Inc. Green Bay WI 24,400,000 239,080,000 206,496,000 (32,584,000) ‐13.6% 5.00%

D. L. Evans Bancorp Burley ID 29,891,000 350,577,000 324,527,000 (26,050,000) ‐7.4% 5.00%

Security State Bancshares, Inc. Charleston MO 22,000,000 175,784,000 190,821,000 15,037,000 8.6% 2.95%

First California Financial Group, Inc. Westlake Village CA 25,000,000 313,952,000 271,214,000 (42,738,000) ‐13.6% 5.00%

F & M Bancorporation, Inc. Tulsa OK 38,222,000 290,250,000 440,127,000 149,877,000 51.6% 1.00%

Verus Acquisition Group, Inc. Fort Collins CO 9,740,000 66,000,000 98,478,000 32,478,000 49.2% 1.00%

Equity Bancshares, Inc. Wichita KS 16,372,000 117,481,000 136,470,000 18,989,000 16.2% 1.00%

Seacoast Commerce Bank Chula Vista CA 4,000,000 45,347,000 52,824,000 7,477,000 16.5% 1.00%

Level One Bancorp, Inc. Farmington Hills MI 11,301,000 94,054,000 127,810,000 33,756,000 35.9% 1.00%

Emclaire Financial Corp. Emlenton PA 10,000,000 56,761,000 58,226,000 1,465,000 2.6% 4.85%

Founders Bancorp San Luis Obispo CA 4,178,000 35,399,000 43,266,000 7,867,000 22.2% 1.00%

First Texas BHC, Inc. Fort Worth TX 29,822,000 137,852,000 188,986,000 51,134,000 37.1% 1.00%

First Guaranty Bancshares, Inc. Hammond LA 39,435,000 174,305,000 154,965,000 (19,340,000) ‐11.1% 5.00%

Florida Shores Bancorp, Inc. Pompano Beach FL 12,750,000 88,898,000 114,451,000 25,553,000 28.7% 1.00%

PlainsCapital Corporation Dallas TX 114,068,000 981,753,000 1,079,729,000 97,976,000 10.0% 2.42%

Merchants and Manufacturers Bank Corporation Joliet IL 6,800,000 57,298,000 61,342,000 4,044,000 7.1% 3.81%

Triad Bancorp, Inc. Frontenac MO 5,000,000 30,501,000 43,072,000 12,571,000 41.2% 1.00%

First PacTrust Bancorp, Inc. Chula Vista CA 32,000,000 36,082,000 44,975,000 8,893,000 24.6% 3.89%

New Hampshire Thrift Bancshares, Inc. Newport NH 20,000,000 113,698,000 114,998,000 1,300,000 1.1% 5.00%

Bancorp Financial, Inc. Oak Brook IL 14,643,000 14,912,000 16,845,000 1,933,000 13.0% 4.47%

FVNB Corp. Victoria TX 18,000,000 588,173,000 634,774,000 46,601,000 7.9% 2.00%

Liberty Bancshares, Inc. Springfield MO 22,995,000 305,465,000 260,749,000 (44,716,000) ‐14.6% 5.00%

The Landrum Company Columbia MO 20,000,000 430,588,000 413,036,000 (17,552,000) ‐4.1% 5.00%

Summit State Bank Santa Rosa CA 13,750,000 94,440,000 93,221,000 (1,219,000) ‐1.3% 5.00%

Promerica Bank Los Angeles CA 3,750,000 43,274,000 67,346,000 24,072,000 55.6% 1.00%

SBT Bancorp, Inc. Simsbury CT 9,000,000 34,532,000 45,263,000 10,731,000 31.1% 1.00%

Marquis Bank Coral Gables FL 3,500,000 11,273,000 25,354,000 14,081,000 124.9% 1.00%

The Elmira Savings Bank, FSB Elmira NY 14,063,000 94,555,000 94,656,000 101,000 0.1% 5.00%

Capital Bank San Juan Capistrano CA 3,132,000 16,458,000 34,659,000 18,201,000 110.6% 1.00%

Xenith Bankshares, Inc. Richmond VA 8,381,000 82,147,000 154,571,000 72,424,000 88.2% 1.00%

MutualFirst Financial, Inc. Muncie IN 28,923,000 194,264,000 169,863,000 (24,401,000) ‐12.6% 5.00%

First NBC Bank Holding Company New Orleans LA 37,935,000 369,836,000 429,452,000 59,616,000 16.1% 1.00%

Community Partners Bancorp Middletown NJ 12,000,000 203,821,000 207,268,000 3,447,000 1.7% 5.00%

Page 3 of 9


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Outstanding

First Bank of Charleston Charleston WV 3,345,000 24,923,000 24,817,000 (106,000) ‐0.4% 5.00%

Carroll Financial Services, Inc. Huntingdon TN 3,000,000 61,317,000 70,685,000 9,368,000 15.3% 1.00%

Valley Green Bank Philadelphia PA 5,000,000 23,968,000 56,381,000 32,413,000 135.2% 1.00%

Huron Valley State Bank Milford MI 2,597,000 21,470,000 28,174,000 6,704,000 31.2% 1.00%

Oak Valley Bancorp Oakdale CA 13,500,000 143,616,000 135,915,000 (7,701,000) ‐5.4% 5.00%

Silvergate Capital Corporation La Jolla CA 12,427,000 9,115,000 7,255,000 (1,860,000) ‐20.4% 5.00%

First Federal Bancorp, Inc. Lake City FL 20,000,000 65,513,000 92,832,000 27,319,000 41.7% 1.00%

Island Bancorp, Inc. Edgartown MA 4,000,000 23,581,000 29,980,000 6,399,000 27.1% 1.00%

Two Rivers Financial Group, Inc. Burlington IA 23,240,000 154,246,000 177,548,000 23,302,000 15.1% 1.00%

Liberty Bancshares, Inc. Jonesboro AR 52,500,000 619,989,000 600,333,000 (19,656,000) ‐3.2% 5.00%

SouthCity Bank Vestavia Hills AL 5,200,000 39,071,000 51,211,000 12,140,000 31.1% 1.00%

Monument Bank Bethesda MD 11,355,000 34,075,000 44,317,000 10,242,000 30.1% 1.39%

GBC Holdings, Inc. Los Angeles CA 5,000,000 81,993,000 90,790,000 8,797,000 10.7% 1.00%

Florida Community Bankshares, Inc. Ocala FL 17,000,000 158,498,000 130,871,000 (27,627,000) ‐17.4% 5.00%

MidSouth Bancorp, Inc. LaFayette LA 32,000,000 305,178,000 310,129,000 4,951,000 1.6% 5.00%

Harmony Bank Jackson Township NJ 3,500,000 10,984,000 31,652,000 20,668,000 188.2% 1.00%

Ouachita Bancshares Corp. Monroe LA 17,930,000 139,224,000 159,012,000 19,788,000 14.2% 1.50%

Community Southern Bank Lakeland FL 5,700,000 28,735,000 46,433,000 17,698,000 61.6% 1.00%

Salisbury Bancorp, Inc. Lakeville CT 16,000,000 78,570,000 91,655,000 13,085,000 16.7% 1.73%

Sumner Bank & Trust Gallatin TN 4,264,000 27,039,000 29,733,000 2,694,000 10.0% 3.10%

Illinois State Bancorp, Inc. Chicago IL 13,368,000 60,188,000 71,847,000 11,659,000 19.4% 1.51%

Grand Capital Corporation Tulsa OK 5,200,000 79,441,000 70,972,000 (8,469,000) ‐10.7% 5.00%

DNB Financial Corporation Downingtown PA 13,000,000 107,588,000 114,737,000 7,149,000 6.6% 3.90%

First Busey Corporation Champaign IL 72,664,000 555,684,000 500,380,000 (55,304,000) ‐10.0% 5.00%

Southern Missouri Bancorp, Inc. Poplar Bluff MO 20,000,000 188,556,000 206,434,000 17,878,000 9.5% 2.32%

PFSB Bancorporation, Inc. Pigeon Falls WI 1,500,000 25,044,000 21,994,000 (3,050,000) ‐12.2% 5.00%

Codorus Valley Bancorp, Inc. York PA 25,000,000 168,440,000 192,603,000 24,163,000 14.3% 1.13%

Central Valley Community Bancorp Fresno CA 7,000,000 237,197,000 240,188,000 2,991,000 1.3% 5.00%

Ovation Holdings, Inc. Naples FL 5,000,000 22,472,000 27,422,000 4,950,000 22.0% 1.04%

Bank of Central Florida Lakeland FL 7,000,000 63,977,000 96,833,000 32,856,000 51.4% 1.00%

Kinderhook Bank Corp. Kinderhook NY 7,000,000 41,610,000 48,946,000 7,336,000 17.6% 1.00%

Southern Illinois Bancorp, Inc. Carmi IL 9,000,000 90,179,000 121,249,000 31,070,000 34.5% 1.00%

First Colebrook Bancorp, Inc. Colebrook NH 8,623,000 61,376,000 69,998,000 8,622,000 14.0% 1.00%

CB Bancshares Corp. Weir KS 190,000 1,203,000 1,615,000 412,000 34.2% 1.00%

MVB Financial Corp. Fairmont WV 8,500,000 53,681,000 72,151,000 18,470,000 34.4% 1.00%

HomeBancorp, Inc. Tampa FL 7,398,000 12,298,000 11,193,000 (1,105,000) ‐9.0% 5.00%

Franklin Financial Network, Inc. Franklin TN 10,000,000 18,547,000 22,730,000 4,183,000 22.6% 3.33%

Alma Bank Astoria NY 19,000,000 91,798,000 251,147,000 159,349,000 173.6% 1.00%

New England Bancorp, Inc. Hyannis MA 4,000,000 33,970,000 49,373,000 15,403,000 45.3% 1.00%

Monument Bank Doylestown PA 2,970,000 19,715,000 38,825,000 19,110,000 96.9% 1.00%

AmeriServ Financial, Inc. Johnstown PA 21,000,000 116,684,000 108,741,000 (7,943,000) ‐6.8% 5.00%

Guaranty Bancorp, Inc. Woodsville NH 7,000,000 75,321,000 75,358,000 37,000 0.0% 5.00%

Page 4 of 9


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Outstanding

Valley Financial Group, Ltd. Saginaw MI 2,000,000 73,968,000 85,662,000 11,694,000 15.8% 1.00%

Southern Heritage Bancshares, Inc. Cleveland TN 5,105,000 58,099,000 67,174,000 9,075,000 15.6% 1.00%

The Peoples Bank of Talbotton Talbotton GA 890,000 5,943,000 7,357,000 1,414,000 23.8% 1.00%

CoBiz Financial Inc. Denver CO 57,366,000 740,718,000 704,951,000 (35,767,000) ‐4.8% 5.00%

Adbanc, Inc. Ogallala NE 21,905,000 250,743,000 263,792,000 13,049,000 5.2% 3.81%

AMB Financial Corp. Munster IN 3,858,000 21,278,000 21,991,000 713,000 3.4% 4.82%

Alerus Financial Corporation Grand Forks ND 20,000,000 280,617,000 316,948,000 36,331,000 12.9% 1.00%

Carolina Alliance Bank Spartanburg SC 5,000,000 65,737,000 86,405,000 20,668,000 31.4% 1.00%

Northway Financial, Inc. Berlin NH 23,593,000 106,433,000 120,500,000 14,067,000 13.2% 2.62%

Brotherhood Bancshares, Inc. Kansas City KS 16,000,000 55,235,000 41,713,000 (13,522,000) ‐24.5% 5.00%

Citizens Community Bank South Hill VA 4,000,000 38,520,000 40,116,000 1,596,000 4.1% 4.60%

First Bancorp Troy NC 63,500,000 493,414,000 507,837,000 14,423,000 2.9% 4.77%

Central Bancorp, Inc. Somerville MA 10,000,000 41,313,000 30,882,000 (10,431,000) ‐25.2% 5.00%

Rockport National Bancorp, Inc. Rockport MA 3,000,000 37,136,000 42,655,000 5,519,000 14.9% 1.00%

SmartFinancial, Inc. Pigeon Forge TN 12,000,000 28,645,000 49,931,000 21,286,000 74.3% 1.00%

Pioneer Bank, SSB Drippings Springs TX 3,004,000 17,568,000 22,902,000 5,334,000 30.4% 1.00%

Pacific Coast Bankers' Bancshares San Francisco CA 11,960,000 42,624,000 26,868,000 (15,756,000) ‐37.0% 5.00%

Center Bancorp, Inc. Union NJ 11,250,000 219,941,000 234,855,000 14,914,000 6.8% 3.00%

Banner County Ban Corporation Harrisburg NE 2,427,000 50,318,000 62,582,000 12,264,000 24.4% 1.00%

Jonestown Bank and Trust Company Jonestown PA 4,000,000 40,820,000 51,045,000 10,225,000 25.0% 1.00%

BankFirst Capital Corporation Macon MS 20,000,000 172,824,000 173,795,000 971,000 0.6% 5.00%

Moneytree Corporation Lenoir City TN 9,992,000 69,580,000 69,804,000 224,000 0.3% 5.00%

Stewardship Financial Corporation Midland Park NJ 15,000,000 206,620,000 230,033,000 23,413,000 11.3% 1.00%

FB BanCorp San Antonio TX 12,000,000 39,335,000 51,850,000 12,515,000 31.8% 1.00%

First Savings Financial Group, Inc. Clarksville IN 17,120,000 58,599,000 92,686,000 34,087,000 58.2% 1.00%

Indebancorp Oak Harbor OH 2,000,000 38,335,000 36,796,000 (1,539,000) ‐4.0% 5.00%

First Merchants Corporation Muncie IN 90,782,940 1,299,394,000 1,100,304,000 (199,090,000) ‐15.3% 5.00%

Bern Bancshares, Inc. Bern KS 1,500,000 23,043,000 28,480,000 5,437,000 23.6% 1.00%

Commercial Financial Corp Storm Lake IA 18,000,000 223,859,000 244,529,000 20,670,000 9.2% 2.00%

Great Southern Bancorp, Inc. Springfield MO 57,943,000 158,271,000 224,986,000 66,715,000 42.2% 1.00%

Progressive Bancorp, Inc. Monroe LA 12,000,000 101,622,000 98,613,000 (3,009,000) ‐3.0% 5.00%

Select Bancorp, Inc. Greenville NC 7,645,000 29,181,000 46,375,000 17,194,000 58.9% 1.00%

Security California Bancorp Riverside CA 7,200,000 164,981,000 205,678,000 40,697,000 24.7% 1.00%

Community Bank Delaware Lewes DE 4,500,000 29,753,000 36,652,000 6,899,000 23.2% 1.00%

Lowndes Bancshares, Inc. Valdosta GA 6,000,000 47,099,000 57,706,000 10,607,000 22.5% 1.00%

CIC Bancshares, Inc. Greenwood Village CO 1,772,000 5,584,000 31,419,000 25,835,000 462.7% 1.00%

United Community Bancorp, Inc. Chatham IL 22,262,000 239,287,000 264,063,000 24,776,000 10.4% 1.50%

Regal Bank Livingston NJ 7,000,000 25,872,000 36,610,000 10,738,000 41.5% 1.00%

Gulfstream Bancshares, Inc. Stuart FL 7,500,000 283,018,000 247,223,000 (35,795,000) ‐12.6% 5.00%

First Robinson Financial Corporation Robinson IL 4,900,000 34,824,000 48,734,000 13,910,000 39.9% 1.00%

County Bancorp, Inc. Manitowoc WI 15,000,000 379,535,000 425,508,000 45,973,000 12.1% 1.00%

Enterprise Financial Services Group, Inc. Allison Park PA 5,000,000 85,598,000 87,213,000 1,615,000 1.9% 5.00%

Page 5 of 9


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Outstanding

First Green Bank Eustis FL 4,727,000 30,339,000 69,105,000 38,766,000 127.8% 1.00%

McLeod Bancshares, Inc. Shorewood MN 6,000,000 50,935,000 36,410,000 (14,525,000) ‐28.5% 5.00%

Happy Bancshares, Inc. Amarillo TX 31,929,000 419,971,000 549,299,000 129,328,000 30.8% 1.00%

InsCorp, Inc. Nashville TN 3,000,000 29,502,000 37,112,000 7,610,000 25.8% 1.00%

CBOS Bankshares, Inc. Merritt Island FL 3,893,000 50,777,000 35,646,000 (15,131,000) ‐29.8% 5.00%

Blue Ridge Bankshares, Inc. Luray VA 4,500,000 20,108,000 19,114,000 (994,000) ‐4.9% 5.00%

CBT Financial Corp. Clearfield PA 10,000,000 64,719,000 89,879,000 25,160,000 38.9% 1.00%

Pathfinder Bancorp, Inc. Oswego NY 13,000,000 68,842,000 75,065,000 6,223,000 9.0% 3.56%

Western State Agency, Inc. Devils Lake ND 12,000,000 147,079,000 172,543,000 25,464,000 17.3% 1.00%

Union Bank & Trust Company Oxford NC 6,200,000 38,662,000 44,664,000 6,002,000 15.5% 1.13%

Columbus First Bancorp, Inc Worthington OH 6,150,000 35,659,000 49,680,000 14,021,000 39.3% 1.00%

AmeriBank Holding Company Collinsville OK 5,347,000 33,172,000 35,898,000 2,726,000 8.2% 3.47%

Prime Banc Corp. Dieterich IL 10,000,000 82,766,000 93,967,000 11,201,000 13.5% 1.00%

Third Coast Bank SSB Humble TX 8,673,000 57,861,000 107,343,000 49,482,000 85.5% 1.00%

Independent Holdings, Inc. Memphis TN 34,900,000 44,702,000 52,089,000 7,387,000 16.5% 4.15%

McLaughlin Bancshares, Inc. Ralls TX 6,600,000 47,152,000 54,961,000 7,809,000 16.6% 1.00%

Landmark Community Bank Collierville TN 8,000,000 29,258,000 46,186,000 16,928,000 57.9% 1.00%

The Nashua Bank Nashua NH 3,000,000 19,828,000 27,915,000 8,087,000 40.8% 1.00%

CapitalMark Bank & Trust Chattanooga TN 18,212,000 134,549,000 166,502,000 31,953,000 23.7% 1.00%

Fortune Financial Corporation Arnold MO 3,255,000 46,918,000 44,915,000 (2,003,000) ‐4.3% 5.00%

Southern States Bancshares, Inc. Anniston AL 7,492,000 37,910,000 52,761,000 14,851,000 39.2% 1.00%

Crest Savings Bancorp, Inc. Wildwood NJ 2,500,000 23,276,000 23,656,000 380,000 1.6% 5.00%

First Community Financial Corporation Elgin IL 6,100,000 32,801,000 36,262,000 3,461,000 10.6% 2.73%

Community Independent Bancorp Inc. West Salem OH 2,250,000 12,020,000 15,845,000 3,825,000 31.8% 1.00%

Freedom Bank Oradell NJ 4,000,000 32,445,000 54,434,000 21,989,000 67.8% 1.00%

First Northern Community Bancorp Dixon CA 22,847,000 225,762,000 216,398,000 (9,364,000) ‐4.1% 5.00%

Signature Bancorporation, Inc. Chicago IL 12,500,000 123,830,000 153,954,000 30,124,000 24.3% 1.00%

United Financial Banking Companies, Inc. Vienna VA 3,000,000 75,699,000 85,450,000 9,751,000 12.9% 1.00%

W.T.B. Financial Corporation Spokane WA 89,142,000 896,140,000 884,833,000 (11,307,000) ‐1.3% 5.00%

Bancorp of Montana Holding Company Missoula MT 1,460,000 3,332,000 7,876,000 4,544,000 136.4% 1.50%

Central Service Corporation Enid OK 7,000,000 148,102,000 181,869,000 33,767,000 22.8% 1.50%

Live Oak Bancshares, Inc. Wilmington NC 6,800,000 53,679,000 116,251,000 62,572,000 116.6% 1.50%

Seneca‐Cayuga Bancorp, Inc. Seneca Falls NY 5,000,000 12,955,000 24,055,000 11,100,000 85.7% 1.00%

Rock Bancshares, Inc. Little Rock AR 6,742,000 56,208,000 81,550,000 25,342,000 45.1% 1.50%

Frontier Bancshares, Inc. Austin TX 6,184,000 62,651,000 98,209,000 35,558,000 56.8% 1.50%

BHCB Holding Company Rapid City SD 2,000,000 33,830,000 47,376,000 13,546,000 40.0% 1.50%

Northern Bankshares, Inc. McFarland WI 22,000,000 145,604,000 140,595,000 (5,009,000) ‐3.4% 7.70%

Steele Street Bank Corporation Denver CO 11,350,000 65,842,000 85,052,000 19,210,000 29.2% 1.50%

Community First Bancorp, Inc. Fairview Heights IL 7,000,000 51,317,000 69,305,000 17,988,000 35.1% 1.50%

Fisher Bancorp, Inc. Fisher IL 1,000,000 15,062,000 14,140,000 (922,000) ‐6.1% 7.70%

Planters Financial Group, Inc. Clarksville TN 20,000,000 146,436,000 176,256,000 29,820,000 20.4% 1.50%

Financial Services of Winger, Inc. Fosston MN 4,069,000 60,984,000 76,757,000 15,773,000 25.9% 1.50%

Page 6 of 9


over Baseline

% Change over



Outstanding

Joaquin Bankshares Inc. Huntington TX 3,908,000 40,722,000 46,193,000 5,471,000 13.4% 1.50%

Magnolia Bancshares Inc. Hodgenville KY 2,000,000 33,419,000 37,229,000 3,810,000 11.4% 1.50%

Osborne Investments, Inc. Osborne KS 1,000,000 14,215,000 22,943,000 8,728,000 61.4% 1.50%

Cardinal Bancorp II, Inc. Washington MO 6,251,000 62,590,000 71,280,000 8,690,000 13.9% 1.50%

Provident Bancorp, Inc. Amesbury MA 17,145,000 84,302,000 103,945,000 19,643,000 23.3% 1.00%

Sequatchie Valley Bancshares, Inc. Dunlap TN 5,000,000 43,804,000 30,116,000 (13,688,000) ‐31.2% 7.70%

TCB Corporation Greenwood SC 8,640,000 56,579,000 67,027,000 10,448,000 18.5% 1.50%

First Eldorado Bancshares, Inc. Eldorado IL 3,000,000 41,312,000 45,879,000 4,567,000 11.1% 1.50%

First Financial Bancshares, Inc. Lawrence KS 3,905,000 31,624,000 32,015,000 391,000 1.2% 7.70%

Wilber Co. Lincoln NE 12,000,000 131,853,000 150,150,000 18,297,000 13.9% 1.50%

MidWest Bancorporation, Inc. Eden Prairie MN 5,115,000 61,382,000 69,613,000 8,231,000 13.4% 1.50%

Heritage Bancshares Group, Inc. Willmar MN 11,000,000 149,302,000 151,103,000 1,801,000 1.2% 7.70%

Platinum Bank Brandon FL 13,800,000 166,747,000 180,071,000 13,324,000 8.0% 3.26%

Kerkhoven Bancshares, Inc Kerkhoven MN 1,500,000 22,617,000 26,798,000 4,181,000 18.5% 1.50%

Resurgens Bancorp Atlanta GA 2,967,000 15,336,000 24,572,000 9,236,000 60.2% 1.50%

People First Bancshares, Inc. Pana IL 9,198,000 113,773,000 135,019,000 21,246,000 18.7% 1.50%

Southern National Corporation Andalusia AL 6,000,000 155,408,000 171,997,000 16,589,000 10.7% 1.50%

Prime Bank Group Edmond OK 4,456,000 17,960,000 37,763,000 19,803,000 110.3% 1.50%

Steele Holdings, Inc. Tyler TX 8,282,000 31,142,000 32,381,000 1,239,000 4.0% 7.48%

Southwestern Bancorp, Inc. Boerne TX 1,500,000 22,454,000 23,709,000 1,255,000 5.6% 5.11%

Deerfield Financial Corporation Deerfield WI 3,650,000 15,146,000 18,719,000 3,573,000 23.6% 1.63%

First Service Bancshares, Inc. Greenbrier AR 7,716,000 73,171,000 57,241,000 (15,930,000) ‐21.8% 7.70%

Hyde Park Bancorp, Inc. Hyde Park MA 18,724,000 1,684,000 2,978,000 1,294,000 76.8% 4.72%

StonehamBank, A Co‐operative Bank Stoneham MA 13,813,000 46,880,000 70,822,000 23,942,000 51.1% 1.50%

First American Investment, Inc. Hudson WI 1,705,710 20,101,000 23,464,000 3,363,000 16.7% 1.50%

Liberty Capital Bancshares, Inc. Addison TX 1,500,000 16,656,000 34,650,000 17,994,000 108.0% 1.50%

Morgan Capital Corporation Fort Morgan CO 3,250,000 27,381,000 35,635,000 8,254,000 30.1% 1.50%

Platinum Bancorp, Inc. Oakdale MN 4,453,000 45,123,000 53,090,000 7,967,000 17.7% 1.50%

Continental Bancorporation Salt Lake City UT 4,724,000 86,041,000 36,702,000 (49,339,000) ‐57.3% 7.70%

Heartland Bancorp, Inc. Bloomington IL 25,000,000 422,849,000 435,963,000 13,114,000 3.1% 6.91%

Sword Financial Corporation Horicon WI 17,000,000 192,221,000 183,603,000 (8,618,000) ‐4.5% 7.70%

AIM Bancshares, Inc. Levelland TX 9,100,000 73,398,000 118,387,000 44,989,000 61.3% 1.50%

Algodon de Calidad Bancshares, Inc. Abilene TX 600,000 6,159,000 5,136,000 (1,023,000) ‐16.6% 7.70%

Town and Country Financial Corporation Springfield IL 5,000,000 90,567,000 104,175,000 13,608,000 15.0% 1.00%

The State Bank of Bartley Bartley NE 2,380,000 26,978,000 30,837,000 3,859,000 14.3% 1.50%

Page 7 of 9

Community Development Loan Funds Participating in SBLFReport on Information from 12/31/2011 Quarterly Supplemental Reports transmitted with April 2012 Use of Funds Report


over Baseline

% Change over

Baseline

Economic and Community Development Institute, Inc. Columbus OH 203,000 2,728,000 4,818,000 2,090,000 76.6%

Common Capital, Inc. (The Western Massachusetts Enterprise Fund,

Inc.)Holyoke MA 200,000 3,526,000 3,141,000 (385,000) ‐10.9%

Community First Fund Lancaster PA 862,000 11,002,000 11,771,000 769,000 7.0%

OBDC Small Business Finance Oakland CA 219,000 2,473,000 4,578,000 2,105,000 85.1%

Bridgeway Capital, Inc. Pittsburgh PA 1,820,000 18,674,000 18,620,000 (54,000) ‐0.3%

Midwest Minnesota Community Development Corporation Detroit Lakes MN 4,600,000 29,638,000 46,280,000 16,642,000 56.2%

Nonprofits Assistance Fund Minneapolis MN 686,000 6,979,000 7,994,000 1,015,000 14.5%

Wisconsin Women's Business Initiative Corporation Milwaukee WI 391,000 4,562,000 6,653,000 2,091,000 45.8%

South Eastern Development Foundation Sioux Falls SD 240,000 2,486,000 3,203,000 717,000 28.8%

Community Reinvestment Fund, Inc. Minneapolis MN 5,100,000 44,065,000 32,218,000 (11,847,000) ‐26.9%

Enterprise Community Loan Fund, Inc. Columbia MD 8,817,000 8,849,000 12,800,000 3,951,000 44.6%

Northside Community Development Fund Pittsburgh PA 250,000 2,190,000 2,710,000 520,000 23.7%

Charleston Citywide Local Development Corporation Charleston SC 1,000,000 1,799,000 3,215,000 1,416,000 78.7%

Rural Community Assistance Corporation West Sacramento CA 4,300,000 6,104,000 8,238,000 2,134,000 35.0%

Citizen Potawatomi Community Development Corporation Shawnee OK 490,000 6,505,000 8,935,000 2,430,000 37.4%

Rural Electric Economic Development, Inc. Madison SD 1,230,000 11,116,000 10,507,000 (609,000) ‐5.5%

Northeast South Dakota Economic Corporation Sisseton SD 1,000,000 11,758,000 12,877,000 1,119,000 9.5%

Vermont Community Loan Fund, Inc. Montpelier VT 1,247,000 12,787,000 16,060,000 3,273,000 25.6%

Opportunity Fund Northern California San Jose CA 2,236,000 5,935,000 7,579,000 1,644,000 27.7%

Federation of Appalachian Housing Enterprises, Inc. Berea KY 2,063,000 4,137,000 6,761,000 2,624,000 63.4%

Forward Community Investments, Inc. Madison WI 470,000 3,964,000 5,945,000 1,981,000 50.0%

IFF Chicago IL 8,294,000 108,261,000 119,077,000 10,816,000 10.0%

The Reinvestment Fund, Inc. Philadelphia PA 11,708,000 113,268,000 98,782,000 (14,486,000) ‐12.8%

NCB Capital Impact Arlington VA 8,218,000 95,578,000 114,144,000 18,566,000 19.4%

Primary Care Development Corporation New York NY 4,000,000 33,280,000 28,821,000 (4,459,000) ‐13.4%

Montana Community Development Corporation Missoula MT 585,000 8,377,000 10,615,000 2,238,000 26.7%

Colorado Enterprise Fund, Inc. Denver CO 463,000 5,721,000 7,279,000 1,558,000 27.2%

Valley Economic Development Center, Inc. Van Nuys CA 661,000 9,581,000 17,176,000 7,595,000 79.3%

Nebraska Enterprise Fund Oakland NE 197,000 1,454,000 3,012,000 1,558,000 107.2%

Capital Link, Inc. Boston MA 198,000 1,420,000 2,546,000 1,126,000 79.3%

SBLF Funding

Outstanding

Qualified Small Business Lending as of 12/31/2011Institution

Page 8 of 9


over Baseline

% Change over

Baseline

SBLF Funding

Outstanding

Qualified Small Business Lending as of 12/31/2011Institution

ShoreBank Enterprise Group, Pacific Ilwaco WA 1,867,000 24,108,000 28,432,000 4,324,000 17.9%

Low Income Investment Fund San Francisco CA 7,490,000 26,595,000 28,103,000 1,508,000 5.7%

The Progress Fund Greensburg PA 1,052,000 12,882,000 16,202,000 3,320,000 25.8%

Appalachian Community Enterprises, Inc. Cleveland GA 188,000 2,179,000 3,487,000 1,308,000 60.0%

California Coastal Rural Development Corporation Salinas CA 870,000 9,545,000 11,579,000 2,034,000 21.3%

Partners for the Common Good, Inc. Washington DC 1,009,000 4,888,000 5,367,000 479,000 9.8%

Seedco Financial Services, Inc. New York NY 2,500,000 33,651,000 43,703,000 10,052,000 29.9%

Mountain BizCapital, Inc. Asheville NC 197,000 1,791,000 2,120,000 329,000 18.4%

Greater New Haven Community Loan Fund New Haven CT 525,000 758,000 854,000 96,000 12.7%

Leviticus 25:23 Alternative Fund, Inc. Elmsford NY 750,000 2,218,000 3,028,000 810,000 36.5%

Lowcountry Housing Trust, Incorporated North Charleston SC 392,000 96,000 368,000 272,000 283.3%

Community Loan Fund of the Capital Region, Inc. Albany NY 478,000 6,760,000 7,766,000 1,006,000 14.9%

La Fuerza Unida Community Development Corporation East Norwich NY 42,000 86,000 387,000 301,000 350.0%

Building Hope… A Charter School Facilities Fund Washington DC 2,091,000 23,190,000 24,024,000 834,000 3.6%

Impact Seven, Incorporated Almena WI 4,000,000 13,344,000 14,715,000 1,371,000 10.3%

Boston Community Loan Fund, Inc. Roxbury MA 4,410,000 11,378,000 20,401,000 9,023,000 79.3%

PeopleFund Austin TX 500,000 6,412,000 7,519,000 1,107,000 17.3%

ECDC Enterprise Development Group Arlington VA 320,000 1,402,000 1,974,000 572,000 40.8%

CEN‐TEX Certified Development Corporation Austin TX 489,000 6,258,000 5,673,000 (585,000) ‐9.3%

Coastal Enterprises, Inc. Wiscasset ME 2,316,000 17,640,000 15,980,000 (1,660,000) ‐9.4%

Community Ventures Corporation Lexington KY 1,045,000 3,451,000 4,210,000 759,000 22.0%

Page 9 of 9

Community Banks Participating in SBLFReport on Information from 12/31/2011 Call Reports transmitted with April 2012 Use of Funds Report

Name City State Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

1st Enterprise Bank Los Angeles CA West 567,061 52,170 35,416 ‐ ‐ 87,586 104,665 71,107 ‐ ‐ 175,772 100.7%

Adbanc, Inc. Ogallala NE Midwest 550,175 69,479 59,439 77,060 51,676 257,654 76,506 61,449 78,435 61,985 278,375 8.0%

AIM Bancshares, Inc. Levelland TX South 299,056 39,299 14,585 13,262 6,874 74,020 78,279 22,656 12,779 11,573 125,287 69.3%

Alerus Financial Corporation Grand Forks ND Midwest 1,154,398 180,756 65,037 33,489 10,852 290,134 210,440 105,119 31,440 12,962 359,961 24.1%

Algodon de Calidad Bancshares, Inc. Abilene TX South 29,035 825 ‐ 3,741 1,747 6,313 606 ‐ 2,859 1,716 5,181 ‐17.9%

Alma Bank Astoria NY Northeast 745,327 66,760 25,038 ‐ ‐ 91,798 162,132 87,976 ‐ ‐ 250,108 172.5%

AMB Financial Corp. Munster IN Midwest 179,061 7,638 19,595 ‐ ‐ 27,233 8,506 18,810 ‐ ‐ 27,316 0.3%

AmeriBank Holding Company Collinsville OK South 140,648 19,843 9,416 1,590 2,324 33,172 20,508 7,392 5,942 1,844 35,686 7.6%

AmeriServ Financial, Inc. Johnstown PA Northeast 952,077 92,509 62,972 ‐ 178 155,659 83,027 63,258 ‐ 463 146,748 ‐5.7%

Avenue Financial Holdings, Inc. Nashville TN South 625,379 92,450 20,280 ‐ ‐ 112,729 118,659 43,967 ‐ ‐ 162,626 44.3%

BancIndependent, Incorporated Sheffield AL South 1,041,073 126,083 145,957 6,105 15,249 293,393 158,024 112,890 2,986 14,754 288,654 ‐1.6%

Bancorp Financial, Inc. Oak Brook IL Midwest 392,527 5,790 9,122 ‐ ‐ 14,912 8,412 8,299 ‐ ‐ 16,711 12.1%

Bancorp of Montana Holding Company Missoula MT West 34,888 1,208 1,994 ‐ 444 3,646 4,818 3,931 ‐ 766 9,515 161.0%

Bank of Central Florida Lakeland FL South 258,673 29,147 27,541 ‐ ‐ 56,688 52,325 44,832 ‐ ‐ 97,157 71.4%

Bank of Commerce Holdings Redding CA West 922,949 133,779 72,044 1,173 7,805 214,800 146,311 65,885 ‐ 6,236 218,432 1.7%

Bankfirst Capital Corporation Macon MS South 718,860 58,754 75,633 9,765 42,941 187,093 60,923 84,316 7,999 38,432 191,670 2.4%

Banner County Ban Corporation Harrisburg NE Midwest 116,472 8,633 2,981 30,815 15,368 57,797 7,642 5,678 28,614 26,403 68,337 18.2%

Bern Bancshares, Inc. Bern KS Midwest 72,938 4,671 46 14,941 3,145 22,803 4,195 1,121 18,907 4,498 28,721 26.0%

BHCB Holding Company Rapid City SD Midwest 102,552 11,260 16,312 1,696 1,627 30,895 16,698 28,214 488 3,252 48,652 57.5%

Birmingham Bloomfield Bancshares, Inc. Birmingham MI Midwest 123,868 15,987 17,807 ‐ ‐ 33,793 22,512 19,238 ‐ ‐ 41,750 23.5%

Blue Ridge Bankshares, Inc. Luray VA South 198,924 4,225 15,593 159 2,442 22,419 8,802 9,521 196 2,836 21,355 ‐4.7%

BMC Bancshares, Inc. Dallas TX South 55,874 765 2,514 825 223 4,326 947 12,669 91 ‐ 13,707 216.9%

BNC Financial Group, Inc. New Canaan CT Northeast 477,060 3,378 24,882 ‐ ‐ 28,259 29,714 59,699 ‐ ‐ 89,413 216.4%

BOH Holdings, Inc. Houston TX South 747,920 127,907 69,441 ‐ ‐ 197,348 186,241 121,424 ‐ 146 307,811 56.0%

Brotherhood Bancshares, Inc. Kansas City KS Midwest 516,996 42,681 28,067 ‐ 3,673 74,420 21,616 23,154 ‐ 3,278 48,048 ‐35.4%

Broward Financial Holdings, Inc. Fort Lauderdale FL South 128,662 14,234 ‐ ‐ ‐ 14,234 19,012 12,479 ‐ ‐ 31,491 121.2%

Cache Valley Banking Company Logan UT West 488,018 33,786 39,918 9,516 16,242 99,462 119,411 52,021 11,671 17,083 200,186 101.3%

California Bank of Commerce Lafayette CA West 298,393 60,775 13,291 390 1,632 76,087 93,611 28,534 151 1,518 123,814 62.7%

Capital Bank San Juan Capistrano CA West 115,961 13,838 11,346 98 295 25,575 7,750 26,884 381 1,610 36,625 43.2%

CapitalMark Bank & Trust Chattanooga TN South 662,071 88,680 45,869 ‐ ‐ 134,549 111,458 53,971 ‐ 577 166,006 23.4%

Cardinal Bancorp II, Inc. Washington MO Midwest 272,599 34,752 29,431 190 5,482 69,855 34,649 33,926 382 8,930 77,887 11.5%

Carolina Alliance Bank Spartanburg SC South 238,889 29,943 34,965 ‐ 830 65,737 36,512 48,699 ‐ 861 86,072 30.9%

Carroll Financial Services, Inc. Huntingdon TN South 265,049 7,921 34,549 4,141 14,441 61,052 11,331 39,621 4,000 17,904 72,856 19.3%

Catskill Hudson Bancorp, Inc. Rock Hill NY Northeast 351,667 42,715 54,456 277 1,075 98,522 46,256 72,672 403 1,250 120,581 22.4%

CB Bancshares Corp. Weir KS Midwest 8,365 819 ‐ 263 299 1,382 344 766 101 404 1,615 16.9%

CBOS Bankshares, Inc. Merritt Island FL South 122,927 5,742 40,542 ‐ ‐ 46,283 4,890 29,382 ‐ ‐ 34,272 ‐26.0%

CBT Financial Corp. Clearfield PA Northeast 404,927 34,922 32,578 1,037 6,580 75,117 41,397 34,693 2,893 16,283 95,266 26.8%

Center Bancorp, Inc. Union NJ Northeast 1,432,198 106,353 113,588 ‐ ‐ 219,941 136,840 103,736 ‐ ‐ 240,576 9.4%

Central Bancorp, Inc. Somerville MA Northeast 520,726 3,979 37,334 ‐ ‐ 41,313 1,164 29,083 ‐ ‐ 30,247 ‐26.8%

Central Service Corporation Enid OK South 550,790 43,994 23,240 43,232 38,675 149,140 58,949 25,433 56,577 43,900 184,859 23.9%

Central Valley Community Bancorp Fresno CA West 848,360 82,216 110,907 18,420 41,356 252,898 71,558 113,183 29,958 42,596 257,295 1.7%

Centric Financial Corporation Harrisburg PA Northeast 253,093 16,476 31,487 193 1,397 49,553 24,432 36,903 900 1,337 63,572 28.3%

Centrix Bank & Trust Bedford NH Northeast 757,556 105,188 145,314 ‐ ‐ 250,502 133,986 178,608 ‐ ‐ 312,594 24.8%

CIC Bancshares, Inc. Greenwood Village CO West 147,670 1,433 21 ‐ ‐ 1,454 17,339 13,092 ‐ 900 31,331 2055.2%

Citizens Community Bank South Hill VA South 161,463 18,419 16,605 251 3,246 38,520 16,074 20,679 82 3,109 39,944 3.7%

Q4 2011

Business

Lending

% Change

over Baseline

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q4 2011

Page 1 of 6


& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Q4 2011

Business

Lending

% Change

over Baseline

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q4 2011

Citizens South Banking Corporation Gastonia NC South 1,078,655 44,956 219,477 ‐ ‐ 264,433 46,567 116,678 993 1,562 165,800 ‐37.3%

CoBiz Financial Inc. Denver CO West 2,372,399 464,781 390,528 5,703 2,295 863,306 469,619 402,746 23 488 872,876 1.1%

Codorus Valley Bancorp, Inc. York PA Northeast 1,009,073 46,618 104,503 1,653 24,703 177,476 63,930 115,662 3,763 23,409 206,764 16.5%

Columbine Capital Corp. Buena Vista CO West 217,942 22,300 16,986 221 893 40,399 33,550 33,365 207 2,527 69,649 72.4%

Columbus First Bancorp, Inc. Worthington OH Midwest 203,988 19,279 15,132 ‐ ‐ 34,411 22,234 27,626 ‐ ‐ 49,860 44.9%

Commercial Financial Corp Storm Lake IA Midwest 459,848 128,275 39,538 38,076 22,656 228,545 124,995 48,869 60,833 29,955 264,652 15.8%

Community Bank Delaware Lewes DE South 130,930 6,962 20,018 574 1,175 28,729 5,225 30,148 330 1,333 37,036 28.9%

Community Bank Shares of Indiana, Inc. New Albany IN Midwest 793,239 87,840 88,791 690 4,709 182,030 97,043 92,847 846 6,190 196,926 8.2%

Community First Bancorp, Inc. Fairview Heights IL Midwest 190,923 23,850 23,424 ‐ 7,233 54,507 35,362 32,381 ‐ 7,754 75,497 38.5%

Community First Bancshares, Inc. Union City TN South 1,646,228 102,278 165,597 16,329 35,772 319,976 102,548 145,930 14,955 30,897 294,330 ‐8.0%

Community Illinois Corporation Rock Falls IL Midwest 243,953 29,250 10,821 16,703 22,134 78,909 24,043 17,982 18,441 22,341 82,807 4.9%

Community Independent Bancorp, Inc. West Salem OH Midwest 90,130 2,587 5,795 133 3,505 12,020 2,331 8,643 220 4,624 15,818 31.6%

Community Partners Bancorp Middletown NJ Northeast 674,515 69,256 144,156 ‐ ‐ 213,412 68,895 146,280 ‐ ‐ 215,175 0.8%

Community Southern Bank Lakeland FL South 199,073 13,773 15,059 813 115 29,759 24,511 22,049 918 214 47,692 60.3%

Community Trust Financial Corporation Ruston LA South 2,472,588 294,044 150,315 1,480 24,990 470,828 617,790 256,627 814 21,989 897,220 90.6%

Community Valley Bank El Centro CA West 86,565 11,352 2,293 ‐ ‐ 13,645 11,007 13,384 ‐ ‐ 24,391 78.8%

Continental Bancorporation Salt Lake City UT West 113,700 44,446 12,863 ‐ ‐ 57,309 32,707 12,908 271 1,029 46,915 ‐18.1%

County Bancorp, Inc. Manitowoc WI Midwest 677,771 44,238 63,411 118,072 171,649 397,369 55,609 64,415 118,886 199,468 438,378 10.3%

Crest Savings Bancorp, Inc. Wildwood NJ Northeast 384,428 3,201 63,016 ‐ ‐ 66,217 3,988 19,668 ‐ ‐ 23,656 ‐64.3%

Crestmark Bancorp Inc. Troy MI Midwest 362,969 153,006 1,470 ‐ ‐ 154,475 302,967 ‐ ‐ ‐ 302,967 96.1%

D. L. Evans Bancorp Burley ID West 970,450 69,464 158,111 107,881 60,654 396,108 80,719 138,054 85,620 68,273 372,666 ‐5.9%

Deerfield Financial Corporation Deerfield WI Midwest 93,458 15,306 116 4,065 1,820 21,306 12,528 ‐ 3,269 2,920 18,717 ‐12.2%

DNB Financial Corporation Downingtown PA Northeast 607,717 38,960 73,668 ‐ 10,878 123,505 42,594 81,490 ‐ 14,880 138,964 12.5%

Eagle Bancorp, Inc. Bethesda MD South 2,821,130 325,046 122,093 ‐ ‐ 447,140 495,116 222,755 ‐ 2,472 720,343 61.1%

Emclaire Financial Corp. Emlenton PA Northeast 490,231 33,244 25,924 ‐ ‐ 59,168 30,569 29,031 11 213 59,824 1.1%

Encore Bancshares, Inc. Houston TX South 1,514,363 118,114 65,827 ‐ 2,286 186,226 214,575 68,454 ‐ 748 283,777 52.4%

Enterprise Financial Services Group, Inc Allison Park PA Northeast 248,160 37,394 75,423 ‐ 424 113,241 36,281 86,323 ‐ 99 122,703 8.4%

Equity Bancshares, Inc. Wichita KS Midwest 611,317 72,242 44,546 7,028 5,075 128,891 87,210 49,785 7,003 4,131 148,129 14.9%

Evolve Bancorp, Inc. Cordova TN South 246,274 8,239 5,161 2,211 3,490 19,101 13,063 12,591 5,281 10,482 41,417 116.8%

F & M Bancorporation Inc. Tulsa OK South 2,012,950 382,607 142,344 17 955 525,922 775,160 140,056 21 2,037 917,274 74.4%

Farmers State Bankshares, Inc. Holton KS Midwest 55,872 4,518 20 3,835 4,697 13,070 2,962 735 2,917 6,986 13,600 4.1%

FB BanCorp San Antonio TX South 580,888 99,765 2,480 ‐ ‐ 102,244 106,524 2,723 ‐ ‐ 109,247 6.8%

FCB Bancorp, Inc. Louisville KY South 462,726 27,761 54,823 ‐ 56 82,640 25,656 56,941 ‐ ‐ 82,597 ‐0.1%

Financial Security Corporation Basin WY West 303,410 26,934 10,943 18,648 17,218 73,742 36,808 14,275 19,092 20,459 90,634 22.9%

Financial Services of Winger, Inc. Fosston MN Midwest 123,845 19,628 7,190 25,894 21,040 73,751 20,135 11,751 34,857 29,580 96,323 30.6%

FineMark Holdings, Inc. Fort Myers FL South 449,265 12,141 15,375 112 ‐ 27,628 22,995 29,407 ‐ ‐ 52,402 89.7%

First American Investment, Inc. Hudson WI Midwest 80,408 4,014 15,043 163 ‐ 19,220 5,168 19,461 146 59 24,834 29.2%

First Bancorp Troy NC South 3,289,441 140,198 279,520 7,734 36,485 463,938 137,208 323,972 5,571 39,161 505,912 9.0%

First Bank of Charleston, Inc. Charleston WV South 184,282 23,426 1,497 ‐ ‐ 24,923 22,880 1,144 ‐ ‐ 24,024 ‐3.6%

First Bankers Trustshares, Inc. Quincy IL Midwest 713,663 34,554 53,147 20,504 20,851 129,056 46,839 85,162 23,295 28,351 183,647 42.3%

First Busey Corporation Champaign IL Midwest 3,345,575 313,814 356,714 38,356 57,626 766,509 284,913 308,163 35,905 45,460 674,441 ‐12.0%

First California Financial Group, Inc. Westlake Village CA West 1,813,161 227,247 127,145 51 855 355,297 190,551 134,956 ‐ 868 326,375 ‐8.1%

First Colebrook Bancorp, Inc. Colebrook NH Northeast 238,740 25,654 42,281 569 82 68,585 30,234 47,804 511 1,129 79,678 16.2%

First Community Financial Corporation Elgin IL Midwest 168,512 6,337 26,075 ‐ 582 32,993 6,183 29,498 ‐ 563 36,244 9.9%

First Eldorado Bancshares, Inc. Eldorado IL Midwest 227,334 7,789 ‐ 7,887 25,857 41,533 12,866 2,830 10,181 27,919 53,796 29.5%

First Federal Bancorp, Inc. Lake City FL South 978,399 27,255 139,046 ‐ ‐ 166,301 46,621 150,344 ‐ ‐ 196,965 18.4%

First Financial Bancshares Inc. Lawrence KS Midwest 119,287 8,581 21,310 39 2,510 32,439 8,885 21,042 64 2,272 32,263 ‐0.5%

First Green Bank Eustis FL South 163,556 6,491 23,716 ‐ 133 30,339 9,166 59,754 ‐ 153 69,073 127.7%

First Guaranty Bancshares, Inc. Hammond LA South 1,353,289 85,481 82,769 17,727 12,111 198,087 68,025 89,996 17,338 11,577 186,936 ‐5.6%

First Menasha Bancshares, Inc. Neenah WI Midwest 317,720 51,762 29,044 6 519 81,331 51,491 41,118 ‐ 466 93,075 14.4%

First Merchants Corporation Muncie IN Midwest 4,154,904 673,225 515,331 115,882 147,472 1,451,909 532,523 464,737 104,526 131,361 1,233,147 ‐15.1%

First NBC Bank Holding Company New Orleans LA South 2,218,689 288,580 212,783 ‐ 261 501,625 556,551 334,494 ‐ 1,443 892,488 77.9%

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First Northern Community Bancorp Dixon CA West 781,148 88,431 116,575 30,680 22,480 258,166 84,211 98,068 32,497 19,318 234,094 ‐9.3%

First PacTrust Bancorp, Inc. Chula Vista CA West 984,290 553 39,920 ‐ ‐ 40,473 9,019 107,812 ‐ ‐ 116,831 188.7%

First Resource Bank Exton PA Northeast 136,019 11,395 19,652 ‐ 1,119 32,165 11,401 22,518 ‐ 1,185 35,104 9.1%

First Robinson Financial Corporation Robinson IL Midwest 221,335 14,280 7,658 3,957 8,804 34,699 12,854 18,273 5,904 11,320 48,351 39.3%

First Savings Financial Group, Inc. Clarksville IN Midwest 539,937 26,351 56,489 ‐ ‐ 82,839 38,148 79,476 ‐ ‐ 117,624 42.0%

First Service Bancshares, Inc. Greenbrier AR South 226,556 20,458 31,269 6,055 16,417 74,199 13,504 21,607 3,025 17,701 55,837 ‐24.7%

First Texas BHC, Inc. Fort Worth TX South 954,252 85,806 71,371 110 2,229 159,515 118,951 92,140 348 8,575 220,014 37.9%

Fisher Bancorp, Incorporated Fisher IL Midwest 78,906 4,244 6,329 2,457 2,741 15,770 3,673 5,906 2,475 2,655 14,709 ‐6.7%

Florida Business BancGroup, Inc. Tampa FL South 607,642 41,885 46,924 ‐ ‐ 88,809 38,236 89,702 ‐ ‐ 127,938 44.1%

Florida Community Bankshares, Inc. Ocala FL South 543,238 29,777 56,970 8,266 68,740 163,752 23,342 46,368 6,648 54,081 130,439 ‐20.3%

Florida Shores Bancorp, Inc. Pompano Beach FL South 498,636 35,523 38,461 ‐ ‐ 73,983 40,375 75,013 ‐ 499 115,887 56.6%

Florida Traditions Bank Dade City FL South 240,989 30,449 24,910 299 5,624 61,282 44,182 52,083 1,525 6,573 104,363 70.3%

FNB Bancorp South San Francisco CA West 715,622 67,974 69,468 0 5,118 142,560 42,788 64,110 ‐ 6,908 113,806 ‐20.2%

Fortune Financial Corporation Arnold MO Midwest 151,273 24,461 23,534 ‐ 370 48,366 21,436 26,018 ‐ 150 47,604 ‐1.6%

Founders Bancorp San Luis Obispo CA West 123,383 24,400 11,516 ‐ 2,218 38,133 20,470 22,906 ‐ 3,267 46,643 22.3%

Franklin Financial Network, Inc. Franklin TN South 465,401 10,261 9,123 823 149 20,356 14,315 7,776 810 1,265 24,166 18.7%

Franklin Security Bancorp, Inc. Plains PA Northeast 212,959 18,122 9,158 ‐ ‐ 27,280 24,028 17,597 ‐ ‐ 41,625 52.6%

Freedom Bancshares, Inc. Overland Park KS Midwest 123,083 17,081 18,667 ‐ ‐ 35,748 24,492 19,204 ‐ ‐ 43,696 22.2%

Freedom Bank Oradell NJ Northeast 148,596 14,905 17,540 ‐ ‐ 32,445 22,689 31,422 ‐ ‐ 54,111 66.8%

Frontier Bancshares, Inc. Austin TX South 265,386 25,056 29,742 851 6,814 62,462 40,274 57,035 686 10,127 108,122 73.1%

FVNB Corp. Victoria TX South 1,911,275 256,962 185,801 102,406 86,398 631,567 273,698 210,966 101,976 91,867 678,507 7.4%

GBC Holdings, Incorporated Los Angeles CA West 425,708 48,872 64,652 ‐ 468 113,992 69,220 82,882 298 ‐ 152,400 33.7%

Grand Capital Corporation Tulsa OK South 201,707 36,537 34,183 144 8,923 79,787 36,517 30,182 46 5,139 71,884 ‐9.9%

GrandSouth Bancorporation Greenville SC South 375,227 49,299 43,148 114 3,454 96,015 57,276 47,348 457 1,919 107,000 11.4%

Great Southern Bancorp, Inc. Springfield MO Midwest 3,788,680 138,613 136,926 4,079 21,896 301,514 198,074 123,050 3,588 14,751 339,463 12.6%

Greater Rochester Bancorp, Inc. Rochester NY Northeast 283,337 43,466 17,134 ‐ 1,736 62,336 60,224 32,930 ‐ 1,075 94,229 51.2%

Guaranty Bancorp, Inc. Woodsville NH Northeast 393,016 37,136 48,710 454 1,988 88,288 32,152 55,367 457 3,367 91,343 3.5%

Gulfstream Bancshares, Inc. Stuart FL South 545,893 123,553 159,465 ‐ ‐ 283,018 90,521 153,219 ‐ ‐ 243,740 ‐13.9%

Happy Bancshares, Inc. Amarillo TX South 1,839,997 196,083 83,097 130,663 49,806 459,650 218,410 106,927 239,512 85,062 649,911 41.4%

Harmony Bank Jackson Township NJ Northeast 122,915 929 9,059 ‐ 1,000 10,988 3,078 27,641 ‐ 2,607 33,326 203.3%

Heartland Bancorp, Inc. Bloomington IL Midwest 1,943,815 189,573 201,809 35,830 38,855 466,066 176,460 279,555 34,095 37,489 527,599 13.2%

Heartland Financial USA, Inc. Dubuque IA Midwest 4,321,771 453,188 485,865 80,290 194,060 1,213,402 645,601 507,654 86,704 199,998 1,439,957 18.7%

Heritage Bancshares Group, Inc. Willmar MN Midwest 463,178 59,801 32,540 48,486 28,555 169,382 46,453 27,981 55,432 36,528 166,394 ‐1.8%

Heritage Bankshares, Inc. Norfolk VA South 293,537 29,431 36,330 ‐ ‐ 65,761 29,585 48,774 ‐ ‐ 78,359 19.2%

Highlands Bancorp, Inc. Vernon NJ Northeast 166,067 16,612 17,780 ‐ 777 35,168 15,244 38,040 ‐ 824 54,108 53.9%

HomeBancorp, Inc. Tampa FL South 450,789 3,043 10,343 ‐ ‐ 13,385 1,465 10,070 ‐ ‐ 11,535 ‐13.8%

Hopewell Valley Community Bank Pennington NJ Northeast 404,395 9,885 76,725 ‐ 876 87,485 10,317 94,680 ‐ 849 105,846 21.0%

Horizon Bancorp Michigan City IN Midwest 1,546,948 63,712 84,200 3,279 7,424 158,615 60,695 110,455 2,888 6,091 180,129 13.6%

Howard Bancorp, Inc. Ellicott City MD South 323,141 91,705 41,681 ‐ 794 134,180 79,913 45,691 ‐ 1,131 126,735 ‐5.5%

Huron Valley State Bank Milford MI Midwest 70,664 5,648 16,506 ‐ 191 22,345 7,576 21,082 ‐ 178 28,836 29.1%

Hyde Park Bancorp, MHC Hyde Park MA Northeast 960,649 1,142 542 ‐ ‐ 1,684 1,210 1,768 ‐ ‐ 2,978 76.9%

Illinois State Bancorp, Inc. Chicago IL Midwest 355,858 21,057 38,971 ‐ 160 60,188 19,581 47,059 ‐ 3,398 70,038 16.4%

Indebancorp Oak Harbor OH Midwest 212,631 11,158 28,563 992 2,225 42,938 9,423 29,970 758 1,567 41,718 ‐2.8%

Independent Holdings, Inc Memphis TN South 819,288 39,655 11,109 ‐ 1,474 52,238 52,994 12,955 ‐ 3,165 69,114 32.3%

InsCorp, Inc. Nashville TN South 158,781 11,667 8,603 ‐ 765 21,034 17,044 18,949 ‐ 1,119 37,112 76.4%

Insight Bank Columbus OH Midwest 157,283 3,205 10,876 ‐ ‐ 14,080 10,215 19,364 ‐ ‐ 29,579 110.1%

Island Bancorp, Inc. Edgartown MA Northeast 131,993 2,672 20,909 ‐ ‐ 23,581 3,511 26,469 ‐ ‐ 29,980 27.1%

Jefferson Bank of Florida Oldsmar FL South 140,757 9,021 4,870 ‐ ‐ 13,891 11,465 8,796 ‐ ‐ 20,261 45.9%

Joaquin Bankshares, Inc. Huntington TX South 118,171 14,762 13,696 1,602 13,014 43,074 21,161 12,798 1,921 12,301 48,181 11.9%

Jonestown Bank and Trust Co. Jonestown PA Northeast 378,312 6,880 29,539 11 4,390 40,820 10,064 34,767 8 5,264 50,103 22.7%

Katahdin Bankshares Corporation Houlton ME Northeast 527,800 94,298 46,859 3,312 2,706 147,175 111,685 53,801 4,258 3,965 173,709 18.0%

Kerkhoven Bancshares, Incorporated Kerkhoven MN Midwest 51,124 4,668 9,381 3,475 7,114 24,637 7,249 11,607 3,563 7,491 29,910 21.4%

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Q4 2011

Kinderhook Bank Corporation Kinderhook NY Northeast 262,853 18,911 19,028 58 2,330 40,328 23,886 25,759 170 665 50,480 25.2%

Landmark Community Bank Collierville TN South 289,808 17,728 11,183 94 263 29,268 29,425 15,018 125 1,350 45,918 56.9%

LCA Bank Corporation Park City UT West 67,343 136 ‐ ‐ ‐ 136 214 ‐ ‐ ‐ 214 57.9%

Leader Bancorp Inc. Arlington MA Northeast 509,286 7,075 24,647 ‐ ‐ 31,722 17,508 43,272 ‐ ‐ 60,780 91.6%

Level One Bancorp, Inc. Farmington Hills MI Midwest 463,033 39,110 24,606 ‐ ‐ 63,716 84,894 59,663 ‐ ‐ 144,557 126.9%

Liberty Bancorp, Inc. Liberty MO Midwest 435,214 23,445 124,005 ‐ ‐ 147,449 38,436 137,718 ‐ ‐ 176,154 19.5%

Liberty Bancshares, Inc Springfield MO Midwest 1,093,306 115,140 161,708 5,205 63,339 345,391 136,779 169,566 4,301 67,756 378,402 9.6%

Liberty Bancshares, Inc Jonesboro AR South 2,806,967 258,145 402,154 36,465 59,998 756,761 255,210 435,246 37,671 45,288 773,415 2.2%

Liberty Capital Bancshares, Inc. Addison TX South 109,319 9,008 5,927 ‐ 1,722 16,657 22,968 10,048 ‐ 1,634 34,650 108.0%

Liberty Financial Services, Inc. Sioux City IA Midwest 231,218 36,186 17,912 4,466 5,574 64,138 29,298 28,095 5,874 12,840 76,107 18.7%

Live Oak Bancshares, Inc. Wilmington NC South 263,519 27,794 73,668 ‐ ‐ 101,462 74,061 107,664 ‐ ‐ 181,725 79.1%

Lowndes Bancshares, Inc. Valdosta GA South 199,033 10,135 40,668 ‐ ‐ 50,803 15,440 44,792 ‐ ‐ 60,232 18.6%

Magna Bank Memphis TN South 440,621 24,492 83,564 ‐ ‐ 108,056 56,405 91,738 ‐ ‐ 148,143 37.1%

Magnolia Bancshares, Incorporated Hodgenville KY South 133,575 6,246 10,176 2,066 14,930 33,419 6,236 13,146 3,138 14,680 37,200 11.3%

Marquis Bank Coral Gables FL South 176,805 1,427 9,846 ‐ ‐ 11,273 13,869 14,457 ‐ ‐ 28,326 151.3%

McLaughlin Bancshares, Inc. Ralls TX South 226,658 18,912 4,166 29,426 3,706 56,210 25,686 10,122 23,683 3,955 63,446 12.9%

McLeod Bancshares, Inc. Shorewood MN Midwest 385,795 23,330 3,763 5,618 2,780 35,490 11,688 16,318 5,214 2,163 35,383 ‐0.3%

Meadows Bank Las Vegas NV West 237,343 29,330 21,164 ‐ ‐ 50,495 62,783 39,003 ‐ ‐ 101,786 101.6%

Medallion Bank Salt Lake City UT West 629,429 234,859 ‐ ‐ ‐ 234,859 357,377 ‐ ‐ ‐ 357,377 52.2%

Mercantile Capital Corporation Boston MA Northeast 191,910 81,044 19,513 ‐ ‐ 100,557 104,302 23,983 ‐ ‐ 128,285 27.6%

Merchants & Planters Bancshares, Inc. Bolivar TN South 95,442 5,479 10,527 361 2,730 19,097 6,537 16,629 252 3,038 26,456 38.5%

Merchants & Manufacturers Bank Corporation Joliet IL Midwest 168,155 39,342 23,269 ‐ ‐ 62,611 45,506 18,424 ‐ ‐ 63,930 2.1%

MidSouth Bancorp, Inc. LaFayette LA South 1,396,117 185,803 126,929 6,367 3,019 322,119 217,834 166,622 5,590 7,535 397,581 23.4%

Midwest Bancorporation, Inc. Eden Prairie MN Midwest 149,255 36,857 29,128 ‐ ‐ 65,984 15,810 6,854 23,870 25,404 71,938 9.0%

MileStone Bank Doylestown PA Northeast 155,120 17,161 29,937 ‐ ‐ 47,098 33,555 38,510 ‐ ‐ 72,065 53.0%

Moneytree Corporation Lenoir City TN South 396,301 35,050 32,806 61 1,627 69,543 25,880 41,635 ‐ 1,361 68,876 ‐1.0%

Monument Bank Bethesda MD South 365,111 20,990 12,522 ‐ 576 34,088 22,202 19,115 ‐ 2,962 44,279 29.9%

Monument Bank Doylestown PA Northeast 168,542 1,478 17,409 ‐ 828 19,715 2,629 35,400 ‐ 796 38,825 96.9%

Morgan Capital Corporation Fort Morgan CO West 101,269 13,330 6,289 4,169 3,950 27,738 20,841 6,399 3,592 5,494 36,326 31.0%

MutualFirst Financial, Inc. Muncie IN Midwest 1,424,563 72,053 164,080 ‐ ‐ 236,133 64,429 152,386 ‐ ‐ 216,815 ‐8.2%

MVB Financial Corp. Fairmont WV South 533,105 15,650 38,312 ‐ ‐ 53,962 27,101 48,454 ‐ ‐ 75,555 40.0%

New England Bancorp, Inc. Hyannis MA Northeast 152,200 9,707 19,019 ‐ ‐ 28,726 26,134 27,243 ‐ ‐ 53,377 85.8%

New Hampshire Thrift Bancshares, Inc. Newport NH Northeast 1,040,561 58,234 128,402 ‐ ‐ 186,635 73,791 139,034 ‐ ‐ 212,825 14.0%

Nicolet Bankshares, Inc. Green Bay WI Midwest 662,257 129,397 137,477 41 2,935 269,850 128,625 110,094 201 1,085 240,005 ‐11.1%

Northern Bankshares, Inc. McFarland WI Midwest 488,152 26,290 62,897 1,313 15,949 106,449 38,516 93,187 364 2,439 134,506 26.4%

Northway Financial, Inc. Berlin NH Northeast 814,236 44,870 67,422 ‐ ‐ 112,292 66,993 62,377 ‐ ‐ 129,370 15.2%

Oak Valley Bancorp Oakdale CA West 612,351 36,927 91,868 10,876 18,272 157,944 32,008 98,861 12,563 17,033 160,465 1.6%

Osborne Investments, Inc. Osborne KS Midwest 56,661 1,549 451 9,025 4,697 15,722 2,385 474 12,805 8,914 24,578 56.3%

Ouachita Bancshares Corp. Monroe LA South 567,658 47,682 73,761 14,288 9,163 144,892 59,537 83,519 10,028 17,042 170,126 17.4%

Ovation Holdings, Inc. Naples FL South 241,404 1,684 8,013 ‐ ‐ 9,698 3,083 24,428 ‐ ‐ 27,511 183.7%

Pacific Coast Bankers' Bancshares San Francisco CA West 615,073 10,701 35,168 ‐ ‐ 45,869 14,715 21,918 ‐ ‐ 36,633 ‐20.1%

Partners Bank of California Mission Viejo CA West 100,475 40,849 13,880 ‐ ‐ 54,729 46,707 18,300 ‐ ‐ 65,007 18.8%

Pathfinder Bancorp, Inc. (MHC) Oswego NY Northeast 496,849 25,983 48,698 ‐ 786 75,467 32,815 50,838 ‐ 1,349 85,002 12.6%

Penn Liberty Financial Corp Wayne PA Northeast 569,214 58,496 84,723 ‐ ‐ 143,218 68,583 95,846 ‐ ‐ 164,429 14.8%

People First Bancshares, Inc. Pana IL Midwest 297,452 48,975 9,408 48,716 13,254 120,352 62,501 11,319 78,021 11,769 163,610 35.9%

Peoples Bancorp Lynden / Bellingham WA West 1,224,918 74,665 143,418 30,294 58,705 307,082 71,820 161,144 34,102 67,857 334,923 9.1%

PFSB Bancorporation, Inc. Pigeon Falls WI Midwest 67,018 3,710 8,995 6,075 11,414 30,194 2,551 6,791 5,370 13,863 28,575 ‐5.4%

Phoenix Bancorp, Inc. Minersville PA Northeast 125,689 5,262 4,097 ‐ ‐ 9,359 7,632 21,649 ‐ 61 29,342 213.5%

Pioneer Bank, SSB Drippings Springs TX South 128,343 7,439 8,987 ‐ 1,142 17,568 8,507 14,204 ‐ 2,774 25,485 45.1%

PlainsCapital Corporation Dallas TX South 5,681,476 1,018,142 363,288 60,432 61,652 1,503,514 1,175,800 460,281 61,835 42,140 1,740,056 15.7%

Planters Financial Group, Inc. Clarksville TN South 675,453 59,970 67,388 12,733 34,238 174,327 78,391 84,787 17,391 34,378 214,947 23.3%

Platinum Bancorp, Inc. Oakdale MN Midwest 133,815 19,145 27,015 ‐ 573 46,733 24,529 29,956 ‐ 2,300 56,785 21.5%

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Platinum Bank Brandon FL South 400,030 57,110 95,349 222 10,816 163,496 75,645 92,129 149 10,532 178,455 9.1%

Premara Financial, Inc. Charlotte NC South 193,102 15,263 23,523 ‐ ‐ 38,786 18,823 35,930 ‐ ‐ 54,753 41.2%

Prime Banc Corp. Dieterich IL Midwest 376,157 21,310 6,268 9,480 22,344 59,401 27,469 35,492 10,969 25,646 99,576 67.6%

Prime Bank Group, Inc. Edmond OK South 144,490 7,722 10,116 53 1,742 19,632 18,099 24,481 99 76 42,755 117.8%

Progressive Bancorp, Inc. Monroe LA South 436,191 52,595 46,034 1,624 3,161 103,413 43,971 50,228 1,592 3,674 99,465 ‐3.8%

Promerica Bank Los Angeles CA West 129,280 18,665 28,650 ‐ ‐ 47,315 16,800 52,533 ‐ ‐ 69,333 46.5%

Providence Bank Rocky Mount NC South 209,637 14,547 12,644 780 826 28,797 16,268 14,241 1,016 2,452 33,977 18.0%

Provident Bancorp, Inc. Amesbury MA Northeast 530,755 17,487 70,118 ‐ 93 87,697 35,463 75,758 ‐ 49 111,270 26.9%

Puget Sound Bank Bellevue WA West 250,462 49,945 28,866 ‐ ‐ 78,810 74,818 38,096 ‐ 383 113,297 43.8%

QCR Holdings, Inc. Moline IL Midwest 1,977,151 331,888 157,873 59 4,915 494,735 279,981 159,205 ‐ 2,544 441,730 ‐10.7%

Redwood Capital Bancorp Eureka CA West 241,502 16,119 28,172 120 2,899 47,311 11,243 37,992 37 2,965 52,237 10.4%

Redwood Financial, Inc. Redwood Falls MN Midwest 199,351 24,855 48,160 ‐ ‐ 73,015 31,193 44,397 ‐ ‐ 75,590 3.5%

Regal Bank Livingston NJ Northeast 216,466 1,682 24,190 ‐ ‐ 25,872 4,629 31,981 ‐ ‐ 36,610 41.5%

Regent Capital Corporation Nowata OK South 164,117 24,582 17,779 3,616 9,416 55,394 34,361 19,999 4,022 7,511 65,893 19.0%

Resurgens Bancorp Atlanta GA South 82,385 8,251 4,870 ‐ 1,965 15,086 15,333 7,533 ‐ 1,900 24,766 64.2%

Rock Bancshares, Inc. Little Rock AR South 186,005 49,812 7,116 ‐ 1,804 58,732 75,934 10,482 ‐ 1,601 88,017 49.9%

Rockport National Bancorp, Inc. Rockport MA Northeast 178,759 9,222 29,422 ‐ ‐ 38,643 9,517 34,446 ‐ ‐ 43,963 13.8%

Salisbury Bancorp, Inc. Lakeville CT Northeast 608,156 23,290 50,692 402 5,666 80,049 28,142 62,146 359 4,925 95,572 19.4%

SBT Bancorp, Inc. Simsbury CT Northeast 376,899 14,128 21,168 ‐ ‐ 35,295 15,145 31,748 ‐ ‐ 46,893 32.9%

Seacoast Commerce Bank Chula Vista CA West 149,644 12,916 42,691 ‐ 456 56,063 5,937 62,509 ‐ 312 68,758 22.6%

Security Business Bancorp San Diego CA West 233,390 27,782 32,114 ‐ ‐ 59,896 27,311 55,464 ‐ ‐ 82,775 38.2%

Security California Bancorp Riverside CA West 412,021 112,334 67,475 ‐ ‐ 179,809 125,122 86,097 ‐ 544 211,763 17.8%

Security State Bancshares, Inc. Charleston MO Midwest 659,415 56,094 60,922 30,314 49,925 197,254 59,181 57,920 33,718 68,285 219,104 11.1%

Select Bancorp, Inc. Greenville NC South 214,962 18,588 9,146 ‐ 1,726 29,459 20,055 19,786 ‐ 7,197 47,038 59.7%

Seneca‐Cayuga Bancorp, Inc. (MHC) Seneca Falls NY Northeast 243,485 6,963 14,567 ‐ ‐ 21,530 12,661 18,410 ‐ ‐ 31,071 44.3%

Sequatchie Valley Bancshares, Inc. Dunlap TN South 568,463 2,685 34,739 770 6,525 44,719 2,119 16,236 443 10,873 29,671 ‐33.7%

ServisFirst Bancshares, Inc. Birmingham AL South 2,460,239 440,705 209,801 25,580 22,243 698,328 770,746 398,600 28,718 45,105 1,243,169 78.0%

Signature Bancorporation, Inc. Chicago IL Midwest 337,998 88,196 37,019 ‐ ‐ 125,214 118,258 40,066 ‐ ‐ 158,324 26.4%

Silvergate Capital Corporation La Jolla CA West 470,476 3,408 6,233 ‐ ‐ 9,641 4,466 3,836 ‐ ‐ 8,302 ‐13.9%

SmartFinancial, Inc. Pigeon Forge TN South 327,787 21,736 14,293 ‐ 1,139 37,167 31,642 23,630 ‐ 1,992 57,264 54.1%

SouthCity Bank Vestavia Hills AL South 159,754 34,442 6,394 ‐ ‐ 40,837 43,575 8,552 ‐ 499 52,626 28.9%

Southern Heritage Bancshares, Inc. Cleveland TN South 223,653 26,826 30,355 33 1,077 58,290 23,788 40,313 ‐ ‐ 64,101 10.0%

Southern Illinois Bancorp, Inc. Carmi IL Midwest 355,782 37,465 17,420 18,888 21,392 95,164 45,837 29,700 22,757 24,168 122,462 28.7%

Southern Missouri Bancorp, Inc. Poplar Bluff MO Midwest 773,263 52,833 42,934 28,817 26,753 151,336 74,797 66,458 37,254 42,145 220,654 45.8%

Southern National Corporation Andalusia AL South 392,379 42,858 46,952 5,776 59,822 155,408 44,512 59,294 3,571 60,383 167,760 7.9%

Southern States Bancshares, Inc. Anniston AL South 212,679 18,236 18,732 ‐ 943 37,910 23,427 32,719 22 754 56,922 50.1%

Southwestern Bancorp, Inc. Boerne TX South 99,031 5,487 12,617 2,545 1,837 22,486 6,292 13,636 1,849 1,955 23,732 5.5%

Sovereign Bancshares, Inc. Dallas TX South 848,548 196,282 22,060 ‐ 918 219,260 202,840 29,600 ‐ 1,380 233,820 6.6%

Steele Holdings, Inc. Tyler TX South 207,494 14,649 15,060 427 1,007 31,142 15,973 19,207 368 686 36,234 16.4%

Steele Street Bank Corporation Denver CO West 399,694 34,832 32,612 ‐ ‐ 67,443 39,579 47,755 ‐ ‐ 87,334 29.5%

Stewardship Financial Corporation Midland Park NJ Northeast 708,201 48,805 156,337 ‐ 1,053 206,195 39,503 182,605 ‐ 1,674 223,782 8.5%

StonehamBank, A Co‐operative Bank Stoneham MA Northeast 426,336 22,466 24,415 ‐ ‐ 46,880 32,268 38,554 ‐ ‐ 70,822 51.1%

Summit State Bank Santa Rosa CA West 387,627 40,612 33,151 2,405 24,934 101,101 31,571 34,683 5,103 22,135 93,492 ‐7.5%

Sumner Bank & Trust Gallatin TN South 156,199 12,075 15,701 43 694 28,512 13,987 16,450 8 424 30,869 8.3%

Sword Financial Corporation Horicon WI Midwest 506,476 63,172 127,299 10,132 21,004 221,607 56,627 118,848 10,559 20,703 206,737 ‐6.7%

TCB Corporation Greenwood SC South 302,703 16,375 40,863 ‐ 1,056 58,294 16,073 44,633 ‐ 4,492 65,198 11.8%

Team Capital Bank Bethlehem PA Northeast 828,833 58,221 137,758 ‐ ‐ 195,979 70,047 82,301 ‐ 1,073 153,421 ‐21.7%

ANB Corporation Terrell TX South 2,388,290 142,877 265,405 6,732 22,473 437,487 126,153 297,179 6,051 17,652 447,035 2.2%

Bank of Santa Barbara Santa Barbara CA West 101,123 11,319 9,943 ‐ 1,514 22,776 31,065 11,936 ‐ ‐ 43,001 88.8%

Elmira Savings Bank, FSB Elmira NY Northeast 523,397 36,668 58,685 ‐ ‐ 95,353 37,422 57,922 ‐ ‐ 95,344 0.0%

Landrum Company Columbia MO Midwest 1,675,891 134,266 183,524 27,453 93,726 438,969 130,425 199,082 24,509 98,682 452,698 3.1%

Nashua Bank Nashua NH Northeast 115,524 6,602 13,756 ‐ ‐ 20,358 10,816 20,216 ‐ ‐ 31,032 52.4%

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& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Commercial

& Industrial

Owner‐

Occupied

Commercial

Real Estate

Agricultural

Production

Secured by

Farmland

Q4 2011

Business

Lending

% Change

over Baseline

Institution

Region Total Assets

Baseline Lending

Baseline Business

Lending

Q4 2011

Peoples Bank of Talbotton Talbotton GA South 33,372 647 3,191 ‐ 2,106 5,943 622 2,621 ‐ 4,143 7,386 24.3%

Private Bank of California Los Angeles CA West 596,700 70,098 16,855 ‐ ‐ 86,953 116,317 34,177 ‐ ‐ 150,494 73.1%

State Bank of Bartley Bartley NE Midwest 71,448 13,050 4,465 8,672 2,035 28,221 13,755 4,888 11,415 4,738 34,796 23.3%

Victory Bancorp, Inc. Limerick PA Northeast 107,089 13,913 8,245 ‐ 1,757 23,916 27,826 13,378 ‐ 2,664 43,868 83.4%

Third Coast Bank, SSB Humble TX South 228,560 33,954 30,443 ‐ ‐ 64,397 87,216 36,322 ‐ 4,120 127,658 98.2%

Town and Country Financial Corporation Springfield IL Midwest 382,996 34,830 59,359 6,536 5,550 106,274 30,072 75,527 7,131 4,116 116,846 9.9%

TowneBank Suffolk VA South 4,081,771 302,054 531,494 675 6,389 840,612 348,646 604,376 1,001 7,670 961,693 14.4%

Triad Bancorp, Inc. Frontenac MO Midwest 197,715 15,530 16,895 ‐ 820 33,245 20,321 26,603 ‐ 2,824 49,748 49.6%

Tri‐County Financial Corporation Waldorf MD South 980,353 121,233 137,607 ‐ ‐ 258,840 121,729 180,593 ‐ ‐ 302,322 16.8%

Tri‐County Financial Group, Inc. Mendota IL Midwest 751,641 23,912 24,883 30,134 35,679 114,608 43,655 39,689 40,162 47,540 171,046 49.2%

Two Rivers Financial Group, Inc. Burlington IA Midwest 667,958 114,756 65,269 13,984 20,410 214,418 114,181 65,969 13,887 23,107 217,144 1.3%

U & I Financial Corporation Lynnwood WA West 164,912 8,950 34,994 ‐ ‐ 43,943 9,463 45,610 ‐ ‐ 55,073 25.3%

UBT Bancshares, Inc. Marysville KS Midwest 503,365 41,004 27,943 44,044 63,137 176,128 46,352 17,832 54,963 86,570 205,717 16.8%

Union Bank & Trust Company Oxford NC South 188,997 19,991 15,549 10 3,112 38,662 14,001 22,885 1,170 6,466 44,522 15.2%

United Community Bancorp, Inc. Chatham IL Midwest 1,278,626 98,783 10,074 47,661 74,408 230,925 110,110 96,672 57,637 88,873 353,292 53.0%

United Financial Banking Companies, Inc. Vienna VA South 313,850 17,679 59,243 ‐ ‐ 76,922 23,710 62,436 ‐ ‐ 86,146 12.0%

Valley Financial Group, Ltd. Saginaw MI Midwest 173,787 38,248 36,190 ‐ 90 74,528 49,474 37,599 ‐ 805 87,878 17.9%

Valley Green Bank Philadelphia PA Northeast 223,263 10,485 12,990 ‐ ‐ 23,475 29,288 26,894 ‐ ‐ 56,182 139.3%

Veritex Holdings, Inc. Dallas TX South 438,383 24,303 14,187 ‐ 1,151 39,641 84,153 45,512 ‐ 5,237 134,902 240.3%

Verus Acquisition Group, Inc. Fort Collins CO West 249,275 14,365 45,134 88 7,204 66,792 26,189 69,057 17 7,379 102,642 53.7%

Virginia Heritage Bank Fairfax VA South 578,087 39,167 50,228 ‐ ‐ 89,395 33,822 75,397 ‐ 94 109,313 22.3%

W.T.B. Financial Corporation Spokane WA West 4,172,393 726,366 358,143 80,131 37,049 1,201,688 635,180 364,230 104,428 45,800 1,149,638 ‐4.3%

WashingtonFirst Bankshares, Inc. Reston VA South 559,411 60,171 13,644 117 3,240 77,172 87,583 75,097 ‐ 113 162,793 110.9%

Western Alliance Bancorporation Phoenix AZ West 6,840,747 550,987 1,063,943 186 4,343 1,619,459 817,234 1,248,386 1,763 14,190 2,081,573 28.5%

Western State Agency, Inc. Devils Lake ND Midwest 488,840 97,220 32,153 14,569 6,955 150,896 120,910 26,596 15,006 10,720 173,232 14.8%

Wilber Co. Lincoln NE Midwest 360,727 40,835 24,786 25,570 36,985 128,176 49,142 27,627 35,207 56,065 168,041 31.1%

Xenith Bankshares, Inc. Richmond VA South 476,072 14,641 19,095 ‐ 593 34,328 97,679 54,827 53 7,127 159,686 365.2%

York Traditions Bank York PA Northeast 252,058 48,533 27,986 ‐ 2,156 78,674 41,425 46,238 ‐ 2,226 89,889 14.3%

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